Trying to find the right car insurance can be a hassle. Each state has its own set of rules for the minimum amount of insurance you are required to have to drive a vehicle. In Connecticut, for instance, you are required to have a minimum of $20,000 per person, per accident in coverage — meaning if someone is seriously injured in a car accident, your insurance company will pay up to $20,000 of their medical bills. Anything after that amount will have to be paid for either by their insurance company, out of pocket, or they can sue you for the amount not covered by insurance. Luckily, experienced automobile accident lawyers are here to break down a few coverage types.

Required Automobile Insurance Coverage Types

Property Damage Liability

This covers expenses related to personal property that is damaged in an accident. This can be a car, a motorcycle, a home, or brick and mortar business. If any of these are damaged and it is deemed your fault, your car insurance will pay for the damages up to the amount you specify in your coverage. In the state of Connecticut, the minimum amount you must have in coverage is $10,000.

Bodily Injury Liability

This covers any expenses related to the injury — or death — of another person involved in an accident that is your fault. They could be another motorist, a pedestrian, or a bicyclist. The minimum amount of coverage required in the state of Connecticut is $20,000 per person with a $40,000 limit per accident.

Uninsured/Underinsured Motorists

If you are in an accident and the other driver is either uninsured or lacks enough insurance to cover the expenses of the accident they caused, this coverage gives you peace of mind knowing your expenses are covered.

For additional information on additional coverage that is not required — such as collision, comprehensive, and additional medical expenses — contact your local insurance agent. If you have been injured in an automobile accident, contact an aggressive accident lawyer as soon as you can. They will break down your coverage for you and determine where your compensation will come from. The insurance companies typically drag their feet when processing your claim, but your accident lawyer will contact them as soon as possible and make sure they pay.

If you’ve been involved in a car accident in the Hartford, Connecticut, region, the team of Peck & Peck Attorneys At Law is dedicated to investigating your claim and making sure the insurance companies pay for your expenses. Visit their website for more information or call the office at (860) 236-4782 to set up a free consultation. You can also find the legal team on Facebook.