Explanation of Coverage
The following is intended to provide some basic information on coverages. We are always happy to discuss your particular situation and recommend coverage levels to meet your needs.
Connecticut State Minimum Coverages:
Limits of liability as required by law are as follows (a.k.a., the state minimum):
$20,000 Bodily Injury per Person
$40,000 Bodily Injury per Accident
$10,000 Property Damage per Accident
Other common combinations of coverage (bodily injury per person/bodily injury per accident/property damage per accident):
$25,000/$50,000/$25,000
$50,000/$100,000/$50,000
$100,000/$300,000/$50,000
$300,000/$300,000/$100,000
$250,000/$500,000/$100,000
Typical Levels Chosen:
Individuals that own their own home typically choose at least:
$100,000 Bodily Injury per Person
$300,000 Bodily Injury per Accident
$50,000 Property Damage per Accident
Individuals with minimal assets, such as students, generally choose the state minimum:
$20,000 Bodily Injury per Person
$40,000 Bodily Injury per Accident
$10,000 Property Damage per Accident