Connecticut state law requires minimum Bodily Injury Liability coverage of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 20/40/10 coverage.

Connecticut state law requires a minimum UnInsured/UnderInsured Motorist coverage of $20,000 per person, $40,000 per accident for any bodily injury caused by the uninsured driver.

The penalties for being caught driving without insurance in CT include impoundment of the vehicle and a fine of at least $110. If your friend was at fault in the accident he would be held personally responsible for the damages and injuries he caused to the others. Since he were not at fault he may be able to put his claim through the at-fault party's insurance company for his car's damages.

Remember Connecticut law requires that all registered motor vehicles have liability insurance maintained at all times. When you register or renew a vehicle registration, you must certify insurance coverage. Your signature attests that minimum vehicle liability insurance will be maintained throughout the registration period and the vehicle will not be driven without insurance. Action must be taken by the DMV if this statement is not honored.

For a CT auto insurance quote, click here.