Every driver in the state of Connecticut must purchase car insurance if they want the freedom to navigate the roadways. However, when it comes time to shop for a policy, you may be tempted to purchase only what’s required by law. Action Auto Insurance Agency is committed to helping the residents of New London, CT, secure coverage that will protect them from circumstances they might not otherwise foresee. Here are some reasons customers should consider more robust coverage than what the state requires.

State Liability Minimums 

In Connecticut, drivers are obligated to carry liability limits that equal at least $25,000 for bodily injuries per person in a single accident, $50,000 for bodily injuries total per accident, and $25,000 for property damage per accident. However, it’s important to note minimum limits are often much lower than the actual cost of a collision. This means you could be held accountable to pay out-of-pocket for any expenses beyond what your policy covers. 

Why Minimum Coverage Is Often Insufficient

Though minimum liability limits might be enough for a minor fender-bender, these modest amounts won’t cover considerable property damage and injuries requiring substantial medical treatment. Also, keep in mind the costs of an accident tend to increase with the number of occupants in a car. If you were to cause a collision with a vehicle that had four or more passengers, the resulting payout would well exceed what your policy will cover, leading to tens of thousands in out-of-pocket costs.

Another factor to consider is that liability insurance only covers damages incurred by the other driver in an accident for which you’re at fault. It will not help with repairing your vehicle and any medical costs you may accumulate. To have the best peace of mind on the road, look for a comprehensive car insurance policy that offers collision coverage

Though comprehensive insurance may seen cost-prohibitive, the right agent will find a policy that suits your budget without leaving you vulnerable. Action Auto Insurance Agency works with the nation’s biggest carriers. With their vast knowledge of available discounts, they will shop the market on your behalf to find the best coverage for your budget. Call (860) 444-7224 to request a car insurance quote, or visit their website to learn more.