Is there a federal law mandating auto insurance
The law prohibits a reduction of uninsured or underinsured motorist coverage for amounts received by the insured for Social Security disability benefits paid or payable.This limitation on the total amount of recovery from all policies does not apply to underinsured motorist conversion coverage (CGS 38a-336(b)). If a person insured for uninsured and underinsured motorist coverage is an occupant of a vehicle he or she does not own that is covered by a policy providing the same coverage, then the policy covering the vehicle provides primary coverage, the policy covering the person as a named insured provides secondary coverage, and all other applicable policies provide excess coverage.The benefit paid medical expenses and lost wages incurred due to an injury sustained in an automobile accident without regard to who was at fault.In exchange for this benefit, the no-fault law restricted an innocent accident victims negligent operation of a private passenger motor vehicle can seek compensation for their injuries from the at-fault driver and, if necessary, initiate a personal injury lawsuit to determine fault and the amount of damages to be awarded.Under the terms of a standard automobile insurance policy, an insurer has a duty to defend an insured person and a right to recover any payments it makes to an insured from those at fault.As of July 2008, 12 states have no-fault insurance laws, according to the Insurance Information Institute: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.The total amount of uninsured and underinsured motorist coverage recoverable is limited to the highest amount allowed under the primary policy, secondary policy, or any one of the excess policies.If a person insured for uninsured and underinsured motorist coverage is an occupant of a vehicle he or she owns, the uninsured and underinsured motorist coverage under the policy covering the vehicle occupied at the time of the accident is the only uninsured and underinsured motorist coverage available (CGS 38a-336(d)).
This benefit is in lieu of the underinsured motorist coverage described above.
Connecticut law requires that any motor vehicle registration that has not been canceled must have liability insurance.
If your registration has expired, liability insurance on the vehicle is required until the registration/license plates have been canceled.
The term “no-fault automobile insurance” is often used to refer to automobile insurance that permits a person to recover financial losses from his or her own insurance company regardless of who caused the loss (i.e., no-fault first-party benefits or personal injury protection). In the strictest sense, a no-fault insurance program is one that both (1) provides payment of no-fault first party benefits and (2) restricts the right to sue by establishing an injury severity threshold that, if not met, prohibits a person from suing for damages.
Before January 1, 1994, Connecticut had a no-fault insurance law that required private passenger motor vehicle owners to purchase a basic reparations coverage benefit of ,000.
Enclosed are two reports from the Insurance Information Institute: No-Fault Auto Insurance (July 2008) and Compulsory Auto/Uninsured Motorists (August 2008).