Owning active automobile insurance is an essential requirement for driving legally in Connecticut. The state has comparatively severe sanctions and fines for illegal driving. For this reason, it is crucial to ensure that you fulfill the minimum insurance standards when it comes to safeguarding your automobile.
According to state laws, automobile drivers generally have to acquire a $50,000 bodily harm coverage for an accident and $25,000 for a person. Drivers are also expected to meet similar requirements when it comes to uninsured motorist coverage and material losses.
Uninsured driving can lead to a $50 fine and other charges summing up to $117. However, not owning an active coverage in Connecticut or lending your car to another person not carrying insurance can result in heavy punishments.
One of the severe insurance-specific offenses in Connecticut is a Class C Misdemeanor. Allowing someone to use your car or driving it yourself when it is not insured can lead to significant consequences like a $500 fine and sometimes jail time. As for the person using your car, the fines may vary from $100 to $1,000.
Auto owners not carrying valid insurance can lose their license for a period from one to six months, depending on the frequency of offenses. If you are pulled over by the police officer and cannot provide proof of active coverage, your auto can also be impounded. As an owner, you will have to pay all the fees to get your car and license back.
In case you do not own an automobile but have an active registration, you are typically required to carry a policy. A failure to maintain it may cause a registration suspension.
Apart from legal ramifications and fines associated with uninsured driving, auto owners should be aware of the potential repercussions of a car accident. The thing is, it can be even more disastrous from a financial standpoint.
An at-fault accident can be extremely expensive even without a base coverage level. In 2019, the average bodily harm claim was around $18,417, and an average material loss claim was $4,525. That is another reason to seriously consider purchasing a suitable amount of coverage. Otherwise, you might have to face hefty fines, repair expenses, and legal proceedings.