Bodily Injury
Bodily injury coverage is mandatory in Connecticut. If the Connecticut policyholder or another driver covered by the Connecticut auto insurance policy is found to be at fault in an accident resulting in injuries or fatalities, the following is covered under bodily injury coverage:

• Medical expenses
• Lost wages
• Pain and suffering
• Legal defense if the drivers listed on the policy are involved in a lawsuit resulting from a car accident

Bodily injury coverage pays for damages caused to a third party.

How much protection does this coverage provide?
The dual coverage limits you select in your Connecticut auto insurance quote refer to the maximum amounts that will be paid per person, per incident, respectively.

Property Damage
If you or another covered driver is found to be at fault in an accident, the following is covered under property damage coverage:

• Damage to another person's property (e.g., fence, car, or home)
• Legal costs associated with a damage incident

How much protection does this coverage provide?
The coverage limits you set in your Connecticut auto insurance quote refers to the maximum amounts that will be paid per accident.

Uninsured/Underinsured Motorist Bodily Injury
Uninsured/Underinsured motorist bodily injury coverage is required in this state with mandatory minimum limits of $20,000/$40,000. Also, if you want to carry this coverage on multiple vehicles, the limits must be the same for each vehicle.

If you’re injured in an accident caused by a driver who has no insurance coverage or insufficient coverage, uninsured motorist bodily injury coverage covers the following expenses:

• Medical
• Lost wages
• Other general damages
• Injuries sustained in hit-and-run accidents

Uninsured/underinsured motorist bodily injury provides coverage to the policyholder, authorized policy members, and passengers.

How much protection does this coverage provide?
You need to select a level of UM/UIM coverage.

Standard
If the other driver involved in an accident does not have enough coverage, or no coverage at all, this coverage pays up to the limit you purchase. The coverage limits you see in your quote refer to the maximum amount that will be paid per person, per incident, respectively.

However, if you receive any money for damages related to an accident from Worker’s Compensation, disability, or from this or another insurance policy, the amount you receive will be deducted from the amount paid by this coverage.

Conversion
If the other driver involved in an accident does not have enough coverage, or no coverage at all, this coverage pays up to the limit you purchase. The coverage limits you see in your quote refer to the maximum amount that will be paid per person, per incident, respectively.

If you choose the Conversion level of coverage, you will not be limited to the amount paid because of other compensation.

Medical Payments
Medical payments is an optional coverage in Connecticut that pays for medical and dental treatment, hospitalization, professional nursing services, prostheses, and funeral expenses if a covered driver and/or accompanying passengers are injured while in an insured vehicle, regardless of who is at fault in the accident.

Medical payments may also cover policyholders and their family members when they are injured while riding in someone else's car or if a car hits them while on foot or bicycling.

If you and your regular passengers already have health insurance that covers similar expenses, medical payments coverage may be unnecessary. Check your health insurance policy for details.

The coverage limit refers to the maximum amount that will be paid per person, per accident.