Connecticut law (Title 14 Section 14-12g) requires continuous insurance coverage on any registered vehicle.

Limits of liability as required by law are as follows:

• $20,000 bodily injury per person.
• $40,000 bodily injury per accident.
• $10,000 property damage per accident.

If the vehicle owner fails to maintain insurance, the insurance company will send a report of cancellation to the DMV. Normally the registered owner would then be notified by the DMV of the violation. Perhaps your lapse in insurance was too recent for you to receive this notification.

This notice offers the registered owner the opportunity to enter into an Insurance Compliance agreement, show proof of insurance and pay the insurance compliance fine. By doing so, no further action will be taken against the registered owner as long as insurance coverage on the vehicle is continually maintained while the vehicle is registered in the owner’s name. Failure to respond to your warning notice will result in suspension of the registration. A vehicle cannot be operated legally on any public highway without registration.

The penalties for being caught driving without insurance in CT include impoundment of the vehicle and a fine of at least $110.Because of your daughter being at fault she as the driver and you as the owner will likely be held personally responsible for the damages to the other party's car and may be liable for their medical bills as well. You should check with the CT DMV and/or the Insurance Department.