As summertime rapidly approaches, it’s a time when many motorcyclists will take to the road. This means that it’s also a time to fully understand Connecticut’s motorcycle insurance requirements as well as recommended insurance coverage all riders should have.
CT Insurance Requirements for Motorcyclists
Under Connecticut law, as of October 1, 2018, the minimum insurance/security coverage required for private passenger motorcycles is:
Bodily Injury Liability Coverage
- $25,000/person; and
- $50,000/accident bodily injury liability.
Property Damage Liability Coverage
- $25,000/accident property damage liability; and
Uninsured (UM) / Underinsured (UIM) Motorist Coverage
- $50,000/accident UM/UIM
Nine percent of Connecticut drivers are uninsured. This equates to about a 1:10 chance that if you get in a motorcycle accident in Connecticut, the other driver will be uninsured.
Connecticut is a “no-fault” state meaning that riders are responsible for their own injuries incurred. This may include medical bills, lost wages, or even death. Therefore, if you are involved in an accident with an uninsured motorist, and you do not have the correct coverage (too little or none), you could end up in financial ruin trying to pay for everything on your own. This is why it’s an even better idea to choose higher coverage caps if you are financially able. This also includes medical and income loss coverage.
What Coverage Should You Have?
Although Connecticut has instated a minimum coverage requirement, drivers are still urged to consider purchasing higher limits in order to cover their assets since they will be responsible for any damage beyond their insurance limits.
Stacking Your Coverage
In certain states, you are allowed to stack your insurance. Stacking means that an insured person can choose to increase his or her UM/UIM coverage by the number of vehicles that are under coverage.
For example, if the limits were $25,000/person and $50,000/accident, and you had two vehicles covered under the policy, if you chose to stack in a state that allowed it, your limits would double to $50,000/person and $100,000/accident.
Unfortunately in Connecticut, you are prohibited from stacking your coverage under a single insurance policy. However, if you have two separate UI/UIM policies that cover the same vehicle, you are permitted to collect the limits under each policy.
Now is the time to reflect upon the importance of wearing the right equipment, checking ahead for weather and road conditions, and following all state road laws to protect yourself – and others – as much as possible. However, even with these precautions, accidents still happen. That’s why it’s also important to review your insurance coverage to be sure that you have not only the coverage that’s required but also the coverage reasonably needed to protect yourself.
The Attorneys at Carter Mario Law Firm Can Help
If you or someone you love has been injured in a motorcycle accident through no fault of your own, you need an experienced Connecticut Motorcycle Accident Injury Lawyer at your side. Let Carter Mario Law Firm protect your rights—and fight to secure full, fair compensation for your losses. Just call (203) 806-9256 today. You can also submit a FREE Initial Consultation Form online.
The Carter Mario team offers decades of combined legal experience. We provide 24/7 access to our compassionate attorneys—along with our exclusive Zero Fee Warranty. With Carter Mario, you don’t owe any attorneys’ fees unless we recover on your behalf. It’s that simple. Call (203) 806-9256 to find out what Carter Mario can do for you.