Connecticut Vehicle Insurance Requirements
Personal Insurance
A permanent insurance card must include the following information:
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Name of the insurance company
- NAIC#
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At least one name on the registration must be indicated as a policy owner, policy holder or named insured on the insurance card. If a vehicle owned by a leasing company, the name of the leasing company and/or the lessor may be listed.
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Policy number.
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Effective date of coverage (must be valid when the vehicle is registered) and expiration date (not to exceed one year).
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Vehicle year, make or model, and complete vehicle identification number.
A temporary insurance card may be obtained from your insurance agent. A temporary insurance card must include the following information:
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Name of the insurance company or agency.
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At least one name on the registration must be indicated as a policy owner, policy holder or named insured on the insurance card. If a vehicle owned by a leasing company, the name of the leasing company and/or the lessor may be listed.
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Binder number, policy number or the agent's code number.
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Effective date of coverage (must be valid when the vehicle is registered) and expiration date (not to exceed 60 days).
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Vehicle year, make or model, and complete vehicle identification number.
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Printed name and signature of the agent or authorized representative.
Limits of liability as required by law are as follows (effective January 1, 2018):
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$25,000 bodily injury per person.
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$50,000 bodily injury per accident.
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$25,000 property damage per accident.
If you are a motor carrier and conduct commercial business with motor vehicles meeting any of the following criteria, you are required to report insurance coverage to DMV once a year:
1.A vehicle that operates in intrastate commerce (within Connecticut only) with a gross weight or gross vehicle weight rating (GVWR) or gross truck/trailer weight or gross combination weight rating of 18,001 pounds or more;
2. A vehicle that operates in interstate commerce with a gross vehicle weight, or GVWR or gross truck/trailer combination weight of 10,001 pounds or more;
3. A vehicle designed to transport more than 15 passengers, including the driver;
4. A vehicle used in the transportation of hazardous materials in a quantity requiring HAZMAT “placarding” under the Hazardous Materials Transportation Act.
5. If the first four choices do not apply to you, you must complete and submit a Compliance Affidavit form to DMV for new registration transactions or renewals.
If any of above applies to any of your vehicles, Section 14-163d of the Connecticut General Statutes requires that you must file proof of insurance, either a valid CT insurance card or an Acord 25 Certificate Of Liability Insurance with DMV once a year that you maintain the following minimum levels of insurance coverage which is identified in state statutes that adopt the federal motor carrier regulation of 49 CFR 390.19.