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Personal Injury Protection — Connecticut

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Connecticut Abolished PIP in 1993

Connecticut does not require Personal Injury Protection. The state eliminated PIP in 1993 when it switched from a no-fault insurance system to a traditional tort system. If you're comparing coverage requirements for your household's vehicles, you will not find PIP on Connecticut's mandatory coverage list.

Connecticut replaced PIP with a mandatory uninsured motorist (UM) and underinsured motorist (UIM) coverage requirement. Every auto policy in the state must include UM/UIM coverage at the same limits as your liability coverage unless you reject it in writing. This structural difference matters when you're adding a second or third vehicle to your policy.

“Connecticut replaced PIP with mandatory uninsured motorist coverage in 1993, shifting the structural burden from no-fault to tort-based claims.”

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See What Connecticut Drivers Pay for the Coverage They Need

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$25,000 / $50,000

Connecticut Minimum Liability

Connecticut requires $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage. These minimums apply to every vehicle on your policy.

Connecticut state minimum liability requirements

What Uninsured Motorist Coverage Does Instead

Uninsured motorist coverage pays for injuries to you and your passengers when an at-fault driver has no insurance or insufficient insurance. Connecticut law requires every carrier to offer UM/UIM at the same limits as your liability coverage. You can reject it, but rejection requires a signed written waiver.

UM coverage does not work like PIP. PIP pays your medical bills regardless of who caused the accident. UM coverage pays only when another driver is at fault and lacks adequate insurance. If you cause the accident, UM does not cover your injuries. Your health insurance covers your medical bills in that scenario.

When you add a vehicle to your policy, the UM/UIM requirement applies to the new vehicle automatically. You do not need to elect it separately for each car. The coverage follows the policy, not the individual vehicle.

Connecticut's 11.8% uninsured motorist rate means roughly one in nine drivers on the road has no insurance. UM coverage protects your household when one of them hits you.

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Medical Payments Coverage as an Optional Add-On

Connecticut carriers offer Medical Payments (MedPay) coverage as an optional add-on. MedPay pays your medical bills and those of your passengers regardless of fault, similar to how PIP worked.

MedPay does not replace UM coverage. It supplements it. If an uninsured driver hits you, UM coverage pays for your injuries up to the policy limit. MedPay pays smaller immediate medical bills without requiring you to establish fault first. MedPay also covers you if you cause the accident, which UM does not.

For multi-car households, MedPay can make sense if you have high-deductible health insurance or want to avoid filing a health insurance claim for minor injuries. The coverage applies per person, not per vehicle, so every driver and passenger on any vehicle in the policy has access to the MedPay limit.

2,628,775

Licensed Drivers in Connecticut

Connecticut has 2,628,775 licensed drivers and 2,789,423 registered vehicles. The vehicle-to-driver ratio means many households insure multiple cars on one policy.

Connecticut DMV 2022 data

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Comparing Carriers for Multi-Car UM Coverage

Not every carrier prices UM coverage the same way. Some carriers charge a flat percentage of your liability premium for UM/UIM. Others use a tiered structure where higher UM limits cost proportionally less. When you're insuring multiple vehicles, the pricing structure matters more than it does for a single-car policy.

Connecticut has 19 carriers writing standard and non-standard auto insurance. Carriers including Geico, Progressive, State Farm, Allstate, Travelers, and Farmers write multi-car policies in the state. Compare quotes with identical liability and UM limits across at least three carriers. The premium difference for the same coverage can exceed 30 percent.

Next Step for Your Household

If you're adding a vehicle to your Connecticut policy or combining two policies into one, confirm your UM/UIM limits match your liability limits. Most households carry the state minimum $25,000/$50,000, but that limit can be inadequate if an uninsured driver causes a serious injury. Compare quotes with higher UM limits to see the cost difference. Use the comparison tool to request quotes from carriers writing multi-car policies in Connecticut.

How UM Coverage Works Across Multiple Vehicles

When you insure two or more vehicles on one Connecticut policy, the UM/UIM limits you select apply to the entire policy, not per vehicle.

Adding a third vehicle does not triple your UM coverage. The policy limit is the policy limit. This matters when you're deciding whether to increase your UM limits beyond the state minimum.

Most carriers in Connecticut offer UM/UIM limits up to your liability limits. Higher UM limits cost more, but the incremental cost is often smaller than drivers expect because the coverage applies across the entire policy. Compare quotes with different UM limit combinations to see the actual premium difference.

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Frequently Asked Questions

Does Connecticut require PIP coverage?

No. Connecticut eliminated Personal Injury Protection in 1993 when it moved from a no-fault system to a tort system. The state now requires uninsured motorist coverage instead.

What replaced PIP in Connecticut?

Connecticut replaced PIP with mandatory uninsured motorist (UM) and underinsured motorist (UIM) coverage. Every policy must include UM/UIM at the same limits as your liability coverage unless you reject it in writing.

Can I buy Medical Payments coverage in Connecticut?

Yes. Connecticut carriers offer Medical Payments (MedPay) as an optional add-on.

How does UM coverage work with multiple cars?

UM coverage applies to the entire policy, not per vehicle.

What are Connecticut's minimum liability limits?

Connecticut requires $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage. These minimums apply to every vehicle you insure.

Do I need to add UM coverage separately for each vehicle?

No. UM coverage follows the policy, not individual vehicles. When you add a vehicle to your Connecticut policy, the existing UM/UIM coverage applies to the new vehicle automatically.