Connecticut
Required Car Insurance in Connecticut | Connecticut Injury Lawyer
Navigating the aftermath of a car accident can be overwhelming, especially when trying to understand the nuances of insurance coverage. For drivers in Connecticut, understanding car insurance requirements is crucial to ensure adequate protection and compliance with the law.
Our Connecticut injury lawyer at Jonathan Perkins Injury Lawyers is here to explain the minimum requirements and optional coverages available and provide tips on finding affordable car insurance in Connecticut.
Minimum Car Insurance Requirements in Connecticut
Connecticut mandates that all drivers carry a specific minimum car insurance to legally operate a vehicle. The state’s mandatory coverage includes:
Liability Insurance
- Bodily Injury Liability: This coverage helps pay for injuries you cause to others in an accident. The minimum required limits are $25,000 per person and $50,000 per accident.
- Property Damage Liability: This coverage pays for damage you cause to someone else’s property. The minimum required limit is $25,000 per accident.
Uninsured/Underinsured Motorist Coverage
- Uninsured Motorist (UM): This covers medical expenses if a driver hits you without insurance. The minimum required limit is $25,000 per person and $50,000 per accident.
- Underinsured Motorist (UIM): This kicks in when the at-fault driver’s insurance is insufficient to cover your medical expenses. The coverage limits are the same as for uninsured motorist coverage.
No-Fault Insurance
While Connecticut is not a no-fault state, it does require Personal Injury Protection (PIP) coverage. PIP covers medical expenses and lost wages regardless of who is at fault in the accident.
Understanding Optional Coverages
While the state-mandated minimums may provide basic protection, additional coverages can offer more comprehensive financial security. Some optional coverages available to Connecticut drivers include:
Comprehensive Insurance
This covers non-collision-related damage to your car, such as theft, vandalism, or natural disasters.
Collision Insurance
This covers your car’s repair or replacement costs if it’s damaged in a collision, regardless of who is at fault.
Medical Payments Coverage (MedPay)
This helps cover medical expenses for you and your passengers, regardless of who is at fault in the accident.
Rental Reimbursement
This coverage helps pay for a rental car while your vehicle is being repaired after an accident.
Roadside Assistance
This provides services like towing, battery jump-starts, and flat tire changes, offering peace of mind during unexpected breakdowns.
Factors Affecting Connecticut Car Insurance Rates
Several factors can impact the cost of car insurance premiums in Connecticut, including:
Driving History
A clean driving record typically lowers premiums, while accidents, speeding tickets, and other violations can increase rates.
Age and Gender
Younger drivers, particularly males, often face higher premiums due to perceived higher risk.
Vehicle Type
Luxury and high-performance vehicles generally cost more to insure than standard models.
Location
Urban areas have higher premiums due to increased traffic and higher accident rates than rural areas.
Credit Score
In Connecticut, insurers can use credit scores to determine premiums. A higher credit score may result in lower rates.
The Importance of Being Fully Covered
While meeting the minimum insurance requirements is essential, it may not be sufficient in the event of a severe accident. Here are some reasons why having more than the minimum coverage is crucial:
Financial Protection
Higher coverage limits can provide better financial protection, helping to cover medical bills, legal fees, and property damage costs that exceed the minimum limits.
Peace of Mind
Knowing you have comprehensive coverage offers peace of mind, ensuring you and your loved ones are protected in various scenarios.
Avoiding Out-of-Pocket Expenses
Adequate coverage can prevent you from having to pay out-of-pocket expenses in the event of a serious accident.
The Importance of Car Insurance in a Car Accident
Ensuring Legal Compliance
Having car insurance is often legally required to operate a vehicle. Without it, drivers may face penalties, fines, or even license suspension. Ensuring you have at least the minimum required coverage helps you stay compliant with state laws and avoid legal repercussions.
Financial Responsibility
In the event of an accident, car insurance helps fulfill your financial responsibility to cover the associated costs. This includes medical expenses for injuries sustained by you, your passengers, or other parties involved and repair costs for vehicle damage. Without insurance, you might have to pay these expenses out of pocket, which can be financially devastating.
Support During Recovery
Navigating the aftermath of a car accident can be stressful. Having adequate car insurance provides support during the recovery process by streamlining the handling of claims and facilitating repairs or medical payments.
This allows you to focus on recovering without the added burden of financial stress. Your car accident attorney in Connecticut will be able to communicate with the insurance company on your behalf to ensure all documents and evidence are provided for your claim.
How a Car Accident Attorney in Connecticut Can Help
A car accident attorney in Connecticut can offer invaluable assistance following a car crash, especially when navigating interactions with insurance companies. These attorneys possess the knowledge, experience, and resources needed to handle complex legal processes and negotiate with insurance providers on behalf of their clients.
They can help gather evidence, assess the extent of damages, determine liability, and advocate for fair compensation.
When dealing with insurance companies that may try to deny your claim or minimize the amount you receive, a skilled attorney can protect the injured party’s rights, ensuring they receive the compensation they rightfully deserve.
By leveraging their knowledge of Connecticut’s laws and regulations, car accident attorneys strive to provide effective representation and guidance during the aftermath of a car accident.
Contact Our Connecticut Injury Lawyer
By understanding Connecticut’s car insurance requirements and the benefits of additional coverages, you can make informed decisions to better protect yourself and your loved ones.
Whether you’re a seasoned driver or new to the road, having the right insurance coverage is crucial for peace of mind and financial security. If you have been hurt in a car crash, understanding your car insurance coverage is just the beginning.
At Jonathan Perkins Injury Lawyers, we are here to help you navigate the complexities of your situation. Our experienced Connecticut injury lawyer is dedicated to protecting your rights and ensuring you receive the compensation you deserve. Contact us today for a free consultation to discuss your case and explore your legal options.
Connecticut
CT Lottery Powerball, Lucky For Life winning numbers for Jan. 3, 2026
Powerball, Mega Millions jackpots: What to know in case you win
Here’s what to know in case you win the Powerball or Mega Millions jackpot.
Just the FAQs, USA TODAY
The Connecticut Lottery offers several draw games for those willing to make a bet to win big.
Those who want to play in Connecticut can enter the CT Lotto, Lucky for Life and Cash 5 games as well as play the national Powerball and Mega Millions games. There are also two drawings a day for the Play 3 with Wild Ball and Play 4 with Wild Ball games.
Drawings are held at regular days and times, check the end of this story to see the schedule. Here’s a look at Saturday, Jan. 3, 2026 results for each game:
Winning Powerball numbers from Jan. 3 drawing
18-21-40-53-60, Powerball: 23, Power Play: 3
Check Powerball payouts and previous drawings here.
Winning Lucky For Life numbers from Jan. 3 drawing
01-02-28-30-43, Lucky Ball: 07
Check Lucky For Life payouts and previous drawings here.
Winning Cash 5 numbers from Jan. 3 drawing
12-13-16-20-32
Check Cash 5 payouts and previous drawings here.
Winning Play3 numbers from Jan. 3 drawing
Day: 5-3-3, WB: 7
Night: 1-8-1, WB: 9
Check Play3 payouts and previous drawings here.
Winning Play4 numbers from Jan. 3 drawing
Day: 3-5-9-4, WB: 4
Night: 7-0-2-6, WB: 4
Check Play4 payouts and previous drawings here.
Feeling lucky? Explore the latest lottery news & results
Are you a winner? Here’s how to claim your lottery prize
Connecticut Lottery prizes up to $599 can be easily claimed at any authorized CT Lottery Retailer without additional forms or documentation or by mail. For prizes between $600 and $5,000, winners have the option to claim by mail or in person at any CT Lottery High-Tier Claim Center or CT Lottery Headquarters. For prizes between $5,001 and $49,999, winnings must be claimed in person at the Connecticut Lottery headquarters or by mail. All prizes over $50,000 must be claimed in person at CT Lottery Headquarters. Winners are required to bring a government-issued photo ID and their Social Security card.
CT Lottery Claims Dept.
15 Sterling Drive
Wallingford, CT 06492
For additional details, including locations of High-Tier Claim Centers, visit the Connecticut Lottery’s claim information page.
When are the Connecticut Lottery drawings held?
- Powerball: 10:59 p.m. on Monday, Wednesday, and Saturday.
- Mega Millions: 11 p.m. on Tuesday and Friday.
- Lucky for Life: 10:30 p.m. daily.
- Lotto: 10:38 p.m. on Tuesday and Friday.
- Cash 5: 10:29 p.m. daily.
- Play3 Day: 1:57 p.m. daily.
- Play3 Night: 10:29 p.m. daily.
- Play4 Day: 1:57 p.m. daily.
- Play4 Night: 10:29 p.m. daily.
This results page was generated automatically using information from TinBu and a template written and reviewed by a Connecticut editor. You can send feedback using this form.
Connecticut
Connecticut leaders react to capture of Venezuelan President Nicolas Maduro
CONNECTICUT (WTNH) — The United States military carried out “large scale” strike inside Venezuela in the early hours of Saturday morning, capturing Venezuelan President Nicolas Maduro and his wife, according to President Donald Trump.
Leaders in Connecticut are responding to the military action.
Sen. Richard Blumenthal (D-Conn.) shared the following statement.
“If we’re starting another endless war, with no clear national security strategy or need, count me out. Maduro is a cruel criminal dictator, but President Trump has never sought approval from Congress for war as the Constitution requires – and our military deserves. We’ve seen several Administrations lead us into conflicts without objectives or timelines and with disastrous consequences. President Trump has also articulated no clear end game to prevent further chaos, violence, and bloodshed in Venezuela. The American people deserve—and Congress should demand—facts and clarity.”
Sen. Chris Murphy (D-Conn.) called the strike the start of an “illegal war” between the U.S. and Venezuela.
“President Trump thinks he is above the law. He steals from taxpayers. He thumbs his nose at the law. And now, he is starting an illegal war with Venezuela that Americans didn’t ask for and has nothing to do with our security. How does going to war in South America help regular Americans who are struggling? How does this do anything about drugs entering the U.S. when Venezuela produces no fentanyl? What is the actual security threat to the United States? And what happens next in Venezuela? He cannot answer these questions – and that’s why there was no briefing to Congress to explain this action, and no briefing scheduled. And Maduro’s illegitimate election does not give the president the power to invade without congressional approval, nor does it create a national security justification. That contention is laughable. This is about satisfying Trump’s vanity, making good on the long standing neocon grudge against Maduro, enriching Trump’s oil industry backers, and distracting voters from Epstein and rising costs.”
Rep. Jim Himes (D-Conn.) said the Trump administration acted without congressional approval.
“Maduro is an illegitimate ruler, but I have seen no evidence that his presidency poses a threat that would justify military action without Congressional authorization, nor have I heard a strategy for the day after and how we will prevent Venezuela from descending into chaos. Secretary Rubio repeatedly denied to Congress that the Administration intended to force regime change in Venezuela. The Administration must immediately brief Congress on its plan to ensure stability in the region and its legal justification for this decision.”
State Senate Republican Leader Stephen Harding (R-Conn.) shared that he hopes Maduro is brought to justice, calling him an “integral culprit” in the “narcotic ring” in the United States.
“President Maduro has been an integral culprit in fostering the narcotic ring in our country which has killed far too many Americans. I hope he is brought to justice and we can continue to address the substance abuse crisis that our state and country continues to face.
The Chairman of the Connecticut Republican Party Ben Proto shared the following statement.
“President Trump promised to stop the flow of drugs into the US that have been killing millions of Americans. Nicolas Maduro, who declared himself President, while getting about 30% of the vote in the last so called free election in Venezuela, was given multiple warnings to stop the flow of drugs from his country into America, was offered help by the Trump administration in stopping the flow, but he continued to, not only allow the flow of drugs, but condone it and profit from it. Presidents have long used their constitutional authority to intervene in other countries when those countries posed a danger to America and Americans. President Trump did just that. Unfortunately Democrats, particularly Jim Himes, Chris Murphy and Dick Blumenthal are more interested in playing politics than in protecting Americans. Nearly 1,000 Connecticut residents died from drug overdoses in 2024 and we have seen an increase in overdoses in 2025. If only Democrats cared as much about Americans as they do about a drug lord running another country who profits from the death of Americans.“
Rep. Jahana Hayes (D-Conn.) demanded that Congress must be briefed before further action.
“As information about U.S military strikes in Venezuela unfold, I have more questions than answers. Nicolas Maduro is a brutal dictator who caused so much harm to his people. However, as Americans we must seriously weigh the consequences of attacking a sovereign nation and committing to “run Venezuela.” Congress must be briefed immediately, before this situation continues to escalate. I will comment further as credible information becomes available to Members of Congress.“
Rep. Rosa DeLauro (D-Conn.) shared the following statement, claiming that there could be “severe repercussions for American interests.”
“President Trump’s unilateral decision to attempt a regime change operation in Venezuela by using military force to capture Nicolas Maduro and declaring, ‘we will run the country’, threatens global order and is a fundamental violation of the Constitution, which gives Congress the responsibility of authorizing major military actions that could have severe repercussions for American interests.
“America’s unprecedented global strength and prosperity was built on this principle of restraining military force through democratic bodies like Congress. President Trump has shredded this principle, and along with it has destroyed American credibility and emboldened our adversaries to act with similar aggression. This new foreign policy that President Trump and his advisors have used to justify this act of war, including invoking the 200-year-old Monroe Doctrine as a justification for America to do whatever it pleases in the Western Hemisphere, is the exact same reasoning that China would use to justify invading Taiwan, and which Russia has used to assault Ukraine.
“President Trump has also now threatened Cuba with similar language, and is preparing a giant corrupt giveaway to oil companies by claiming that the United States will acquire Venezuela’s oil. This is corruption of the highest order. Maduro was an authoritarian who stayed in power despite the will of the people, but that does not justify the United States in starting a war to benefit some of the world’s wealthiest corporations.
“President Trump did all of this without the consent of Congress, and without providing any details or day-after plans. The full consequences of this act of war will not be known for some time, and they may require putting American boots on the ground in Venezuela, as the President has said he was prepared to do. The American people do not want to be dragged into another endless conflict distracting from the rising cost of living and the affordability crisis. Whatever happens next, the responsibility will be squarely with President Trump and his contempt for the Constitution and for Congress.”
Rep. John Larson (D-Conn.) echoed the statements of his fellow Democrats.
“This is yet another authoritarian power grab by Donald Trump. As he indicated in his address, it’s clear it’s about the oil!!! And securing that oil!!! And securing it with the use of our brave men and women in the United States military!!! The Constitution entrusts Congress, not the President, with the power to declare war for a reason. It’s Congress’s responsibility to decide whether the nation goes to war or not! That’s why I’m joining with others in calling on the President to immediately brief Congress—and for Congress to assert its authority under the Constitution and the War Powers Act—to let this President know he does not have the authority to unilaterally commit our country to yet another endless war.“
This is a developing story. Stay with News 8 for updates.
Connecticut
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