Selecting the right insurance coverages for your needs is one of the most important parts of buying car insurance. And because not all insurance policies are the same, you’ll need to be sure your policy satisfies minimum levels of auto insurance coverage in Connecticut while including any additional types of coverage to give you the level of protection you want.
Whether you’ve just moved, are buying your first policy or are simply switching from another carrier to Plymouth Rock Assurance, there are several insurance requirements that you’ll want to note. Plymouth Rock also offers optional coverages that you’ll likely want to consider to make sure you have the right level of protection.
Don’t worry – we make selecting coverage and policy options and understanding discounts easy for customers. And we’re here to help, along with your independent agent, if you have a question or want more information.
There are four types of compulsory insurance that you are required to purchase under state law. Compulsory insurance is the minimum amount of coverage required by state law. These four compulsory coverages are:
Bodily Injury A minimum of $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability, is required by law.
The standard coverage is an amount equal to your bodily injury liability coverage, but you may purchase additional coverage up to an amount double your bodily injury liability.
The minimum amount required by law is $25,000 per person, $50,000 per accident.
Damage to Someone Else’s Property pays for damage to another person’s property when you, a household member or another authorized driver cause an accident.
The minimum amount required by law is $25,000.
Accidents can often result in damage that exceeds the state required coverage limits. Depending on your individual needs, you might want to purchase increased limits on required coverages like Optional Bodily Injury to Others, Bodily Injury Caused by an Uninsured Auto, Damage to Someone Else’s Property, or consider additional types of coverages.
Here are some examples of optional car insurance coverage that Plymouth Rock offers:
Medical Payments coverage pays for reasonable expenses for necessary medical and funeral services incurred by you and your members who live with you as a result of a motor vehicle accident, up to the coverage limits you select.
Collision Coverage pays for any direct and accidental damage to your car if the accident is a collision between your car and another physical object (like another car but not an animal).
Comprehensive Coverage pays for damage to your car caused by events such as fire, theft, vandalism and impact with animals or birds; in other words, damage caused by something other than a collision.
Substitute Transportation Expenses (sometimes also known as “Rental Reimbursement”) pays for temporary transportation expenses if you have a claim that is covered under Comprehensive or Collision coverage. Reimbursement amounts are subject to the per-day-limit and number of days limit.
Towing and Labor pays the cost of towing your car to a repair shop when it is disabled and covers up to the limits you have selected per disablement.
Liability coverage is essential because it protects you as a driver in the event that you cause bodily injury or property damage to others. Connecticut law requires that you carry minimum bodily injury liability limits of $25,000 per person and $50,000 per accident as well as property damage liability limits of $25,000. Bodily injury liability covers physical injuries that require medical attention and property damage liability covers property damage associated with striking other cars, buildings, fences, etc.
This is just a brief summary of these coverages. Additional terms and exclusions apply. Actual coverage is subject to the language of the policy as issued. Please refer to your policy for more information or contact a local independent Plymouth Rock agent.
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Plymouth Rock Assurance® and Plymouth Rock® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing arrangements. In CT, insurance is underwritten by Plymouth Rock Assurance Corporation, Palisades Insurance Company, and Plymouth Rock Home Assurance Corporation. In MA, insurance is underwritten by Plymouth Rock Assurance Corporation, Pilgrim Insurance Company, Plymouth Rock Home Assurance Corporation, Bunker Hill Insurance Casualty Company, Bunker Hill Preferred Insurance Company, Bunker Hill Property Insurance Company, and Bunker Hill Insurance Company. In NH, insurance is underwritten by Mt. Washington Assurance Corporation. In NJ, insurance is underwritten by Palisades Safety and Insurance Association, Palisades Insurance Company, High Point Property and Casualty Insurance Company, High Point Safety and Insurance Company, High Point Preferred Insurance Company, Teachers Auto Insurance Company of New Jersey, Twin Lights Insurance Company, Rider Insurance Company, and Palisades Property and Casualty Insurance Company. In NY, insurance is underwritten by Plymouth Rock Assurance Preferred Corporation, Plymouth Rock Assurance Corporation of New York, Palisades Insurance Company, and Palisades Property and Casualty Insurance Company. In PA, insurance is underwritten by Palisades Insurance Company, High Point Preferred Insurance Company, Palisades Property and Casualty Insurance Company, and Rider Insurance Company. Each underwriting and managed insurance company is a separate legal entity that is financially responsible only for its own insurance products. Actual coverage is subject to the language of the policies as issued by each separate company. Some discounts, coverages, payment plans, features and benefits are not available in all states and companies.
