With more people deciding to forgo public transportation and use their cars instead, traffic on Connecticut roads is picking up. The presence of more cars means that more traffic accidents are likely, which makes this a good time to make sure your car insurance policy provides you with all the coverage you need in case of an auto accident.
Not every insurer offers the same types of coverage, and you might not have a type of coverage if you did not request it up front. These are just two reasons why your policy might lack some coverage.
Liability and injury coverage
The State of Connecticut Insurance Department explains that state laws require certain types of insurance coverage. Liability insurance is one of these, and it covers damages if you are at fault for them.
Personal injury protection or medical payments coverage pays for your medical bills no matter if you are at fault or not. However, given that state law does not require them, you might not have received them as part of your policy.
Underinsured and uninsured motorist coverage
Another issue to worry about is when another driver hits you and does not have enough coverage to pay for your damages. Some drivers do not carry insurance at all. Getting adequate underinsured/uninsured coverage policy may make up the difference in coverage so that you do not have to pay for your own damages. Connecticut requires a minimum amount, but you may want to purchase more.
Comprehensive and collision coverage
Collision insurance may cover damages regardless of who was at fault. Comprehensive coverage covers any kind of damage not caused by an accident, such as natural disasters or criminal acts. For example, if you hit a deer, an object falls on your car or someone breaks one of your windows, your comprehensive coverage would take care of the costs after you pay your deductible.
Understanding your car insurance coverage and options for insurance coverage before an accident happens is the best way to protect yourself financially.