At White Oak Insurance LLC, in Milford, CT, we offer customizable insurance policies to meet your unique needs. We offer auto insurance, as well as other types of coverage.
Coverage Requirements in Connecticut
Connecticut drivers are required to have liability insurance. The minimum requirement is $25,000 for bodily damage liability, up to $50,000 per accident, and $25,000 in property damage liability are required.
However, this isn’t enough for most drivers.
How Much Liability Coverage Do I Need?
Insurance experts recommend that drivers have $100,000 in bodily damage liability, up to $300,000 per accident. This will allow your policy to cover expected medical costs if someone is injured in an accident that is your fault.
They also recommend $100,000 in property damage liability, which will cover the property damage in most accidents.
Under/Uninsured Motorist Coverage
Liability coverage includes under/uninsured motorist coverage at the same coverage limit as your bodily injury liability policy. However, you can purchase up to double this amount. This covers you and your passengers if you are injured in an accident and the other party doesn’t have liability coverage or inadequate coverage.
Experts recommend at least $100,000 and up to $300,000 in under/uninsured motorist coverage.
Other Types of Coverage
If you have a lien against your vehicle, you are required to carry comprehensive coverage, which includes collision and comprehensive coverage. However, if you can’t afford to replace your vehicle, you should consider this coverage even if it isn’t required.
If your lien is more than your vehicle is worth, you should consider gap coverage to make up the difference.
Give Us A Call
If you aren’t sure if you have adequate auto insurance coverage in Milford, CT, contact us at White Oak Insurance LLC. Our knowledgeable agents can discuss your policies and ensure that you have the coverage you need.