Connecticut Auto Insurance Information
The value of good auto insurance often doesn't become apparent until you
really need it. Whether it's a minor fender bender or a more substantial
accident, it pays to have insurance coverage you can count on.
Let one of our experienced Connecticut auto insurance policy specialists
explain the different Liability limits, Comprehensive, Collision, Personal Injury
Protection, Medical coverages, and deductibles that are available for you to
choose from. We offer affordable truck and car insurance policies from a
leader in the insurance industry.
Click on the link below to fill out a quote request form
for a Connecticut Auto Insurance policy that will
provide excellent car insurance coverage at an
affordable cost. Or you can discuss the features with
our CT Auto Insurance agent specialist by calling
203-351-9898.
We are your local Fairfield County insurance agency, offering affordable auto insurance
policy premiums and services in the following Connecticut cities and counties:
Stamford, Norwalk, Greenwich, Darien, Riverside, Belltown, Springdale, Round Hill, Old
Greenwich, East Norwalk, New Canaan, Glenville, Byram, Cos Cob, Mianus, North
Stamford, Glenbrook, Wilton, Weston, Long Ridge, Noroton, West Norwalk, Westport,
High Ridge, Southport, North Wilton, Winnipauk, Cannondale, Turn of River, South
Wilton, Lyons Plains, Georgetown, Ridgefield, Branchville, Redding, Topstone,
Ridgebury, Redding Ridge, Branchville, Dodgingtown, West Redding, Titicus,
Hattertown, Bethel, Danbury, New Fairfield, Newtown, Hawleyville, Botsford, Monroe,
Bridgeport, Stepney, Shelton, Huntington, Upper Stepney, Long Hill, Trumbull,
Stratford, Easton, Fairfield, Greenfield Hill, Stratfield, Nichols, Oronoque, Rivercliff,
Devon, Lordship, and East Bridgeport, New Haven, Hartford, Torrington, Waterbury,
Meriden, New Britain, New London, Norwich, Manchester, East Hartford, Suffield,
Granby, West Haven, West Hartford, Branford, East Haven, Hamden, Woodbridge,
Orange, North Haven, Groton, Rocky Hill, Newington, Wethersfield, Glastonbury,
Bloomfield, Blue Hills, South Windsor, Naugatuck, New Hartford, Chesire, East Lyme,
Old Mystic, Wallingford, Southington, Middletown, Bristol, Laurel Beach, Litchfield,
Pleasure Beach, Mystic, North Westchester, Double Beach, Willimantic, Storrs,
Canaan, East Windsor, Vernon, South Canaan, Putnam, Guilford, Windham, South
Britain, Willington, Windsor, East Hampton, Brooklyn, Westchester, and everywhere
else in New Haven County, Litchfield County, Middlesex County, New London County,
Hartford County, Tolland County and Windham County, CT.
Connecticut does not require "no-fault" car insurance policy coverage. This coverage
pays medical bills for injuries suffered in an car accident regardless of who caused
the accident. Connecticut also doesn't require PIP or personal injury protection within
an car insurance policy.
Covers damage caused to the owners car from a
collision caused by another car or other object. The
deductible is the amount you choose to pay upfront (if
any) before the car insurance policy pays. The higher
the deductible chosen the lower the collision coverage
cost of the car insurance policy.
Learn more about Connecticut auto insurance
coverage options below!
Connecticut Car Insurance Policy FAQ
Covers damage caused to the insured's car (your car) from risks such as theft, fire,
falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The
deductible is the amount you choose to pay upfront (if any) before the car insurance
policy pays. The higher the deductible chosen the lower the comprehensive coverage
cost of the car insurance policy.
Connecticut Car Insurance Policy FAQ
Injuries that you (insured) cause to someone else is covered under this part
of an car insurance policy. Connecticut has minimum liability auto insurance
coverage requirements. The minimums are listed below. However, we
recommend that you choose liability insurance coverage amounts that are
much higher than the minimums required by Connecticut law.
20/40/10 20=$20,000 - 40=$40,000 - 10=$10,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Damage caused by the insured (you) to someone else's property, such as a car,
fence, or house, is covered through property damage car insurance coverage.
This coverage also assists in protecting you if a lawsuit arises from an accident.
Bodily Injury Liability
Property Damage Liability
Minimum Connecticut liability limits:
Connecticut Car Insurance Policy FAQ
Connecticut Car Insurance Policy FAQ
Connecticut Car Insurance Policy FAQ
Connecticut Car Insurance Policy FAQ
Benefits Provided:
80% of medical benefits for all reasonable expenses for necessary medical, surgical,
x-ray, dental and rehabilitative services, including prosthetic devices, wheelchairs,
crutches, slings, neck braces and splints (including necessary travel related to
medical care.)
80% of necessary remedial treatment (nursing home care or home nursing care).

60% of disability benefits for any loss of gross income and loss of earning capacity
from inability to work because of an injury suffered in an accident.
Connecticut Car Insurance Policy FAQ
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an
at-fault driver who has no car liability insurance. This is required in Connecticut.

Example of uninsured motorist limits:
100/300 100=$100,000 - 300=$300,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.

This coverage comes into play when an at-fault driver has car liability insurance, but
the limit of insurance is inadequate to pay for your damages.

Underinsured Motorist Bodily Injury Coverage

This type of car insurance coverage pays for your medical expenses, lost wages, and
other damages when you or your passengers are injured in an accident caused by a
driver who has insufficient car insurance coverage. The car insurance coverage
typically pays the difference between the coverage limit you select and the other
driver's bodily injury coverage limit. This is not a required coverage in Connecticut.
Underinsured Motorist Property Damage Coverage

Protects you if your car is damaged in an accident caused by a driver who has
insufficient car insurance coverage. This coverage pays the difference between the
coverage limit you select and the other driver's property damage coverage limit. This
is not a required coverage in Connecticut.
Copyright 2004-2008 William Malloy Insurance Agency, Inc. - All rights reserved
Fairfield County Connecticut Insurance Agency
Malloy Insurance Agency
Connecticut Business, Home, Health
& Car Insurance Specialists
Stamford, CT Harbor
Request a Quote Here!
"Over 60 Years
of Professional
Insurance Service"
William Malloy
Insurance Agency
87 Glenbrook Road
Stamford, Connecticut 06902
(203) 351-9898
Fax: (203) 351-9880
"We're Your Connecticut
Car Insurance Agent"
Answer a few questions and
we will provide you with a no
obligation to buy quote by
phone or email. Choose the
Connecticut personal or
group insurance coverage
you're interested in from one
of the menus above.
Medical payments coverage pays for the medical and funeral expenses for you or
others hurt or killed in an accident while riding in or driving your car or truck.
Claims against this coverage include all reasonable hospital, surgical, chiropractor,
X-ray, dental, professional nursing, prosthetic, and funeral expenses. It will also
cover you or members of your family if you are hit by a car when you are walking
or if you are riding in another car or truck. This coverage will pay for your medical
and funeral expenses even if you cause the accident. The coverage is often limited
to medical care you get in the first one, two, or three years after the accident and is
limited to a specific dollar amount.
Auto Insurance
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