Connecticut’s regulator describes 25/50/25 liability and 25/50 uninsured/underinsured motorist protection. Check household operators and business use separately.
Key takeaways
- Read liability and UM/UIM on separate lines
- Explain who has access to the car
- A delivery-use check
On this page
Coverage requirements at a glance
| Coverage | Amount or rule | Scope and exceptions |
|---|---|---|
| State-specific coverage rule: Read liability and UM/UIM on separate lines | The regulator lists bodily injury of $25,000 per person/$50,000 per accident and $25,000 property damage, or a $50,000 combined single limit. It also lists at least $25,000/$50,000 UM/UIM. A liability line protects a different interest from uninsured-driver injury protection. Do not compare proposals by one total number. | Undated consumer summary; exclusions depend on actual policy. Combined-limit alternative and UM limits require statutory applicability review. Existing official material inspected 2026-10-12. Original commencement date is not established by this metadata; the source’s scope and exceptions remain applicable. Official source 1 for State-specific coverage rule: Read liability and UM/UIM on separate lines |
Connecticut’s regulator describes 25/50/25 liability and 25/50 uninsured/underinsured motorist protection. Check household operators and business use separately.
Read liability and UM/UIM on separate lines
The regulator lists bodily injury of $25,000 per person/$50,000 per accident and $25,000 property damage, or a $50,000 combined single limit. It also lists at least $25,000/$50,000 UM/UIM. A liability line protects a different interest from uninsured-driver injury protection. Do not compare proposals by one total number.
Explain who has access to the car
CID discusses licensed household members with access to the vehicle and possible documentation that they have their own car and insurance. Describe the real arrangement; ask how the insurer treats each person rather than removing a driver because they drive infrequently.
A delivery-use check
The department warns that personal policies generally exclude business activities such as pizza delivery. Before accepting paid trips, obtain a written explanation of the actual policy and any necessary protection. This is not a conclusion that every work-related journey has identical treatment.
Build a Connecticut comparison sheet
| Question | Document to collect |
|---|---|
| Split or combined liability? | Quote with units identified |
| UM and UIM selected? | Limits and policy definitions |
| Household driver treatment? | Application and relevant form |
| Delivery activity accepted? | Written use classification |
Imagine two proposals with the same premium: one describes household access accurately, while the other assumes only one operator. Resolve that difference before comparing prices.
Consumer follow-up
CID’s page links consumer assistance and automobile arbitration information. Keep the application, issued documents and disputed response together. Ask which process applies; this draft does not promise arbitration eligibility or a particular outcome.
Compare split liability with the combined-limit alternative
The regulator’s two liability structures can produce different results even when both meet the starting requirement. Keep the person, accident and property units explicit.
Hypothetical covered accident: One person’s accepted injury damages are $35,000 and covered property damage is $10,000. Assume established liability and no other adjustments. With 25/50/25 split limits, the person limit caps the injury illustration at $25,000, while the $10,000 property amount fits its separate limit. A $50,000 combined single limit has room for the assumed $45,000 combined damages. That does not predict an actual settlement or make the structures interchangeable.
| Comparison question | Split proposal | Combined proposal |
|---|---|---|
| One person’s covered injury ceiling | Identify the per-person number | Read the shared accident ceiling |
| Injury plus property loss | Separate categories | Shared limit |
| UM/UIM injury protection | Separate selected line | Still a separate selected line |
Do not add liability and UM/UIM figures into an overall “coverage total.” They protect different interests and require their own eligibility analysis.
Make a household-driver correction before accepting a quote
Illustrative scenario: A licensed adult child lives at home, has access to the family car and also owns a separately insured vehicle. Provide that arrangement accurately. Ask what documentation the insurer needs and how it will classify the driver. Neither occasional use nor a separate policy justifies deleting the person from the application without the insurer’s explanation.
If the issued policy differs from the application, retain both and identify the changed driver entry. A cheaper proposal based on a different household assumption is not a like-for-like price comparison.
Paid delivery needs a use-specific answer
Write down the actual activity: commuting to a restaurant, delivering food for payment, or both. Ask which policy provision applies to each. Keep any required endorsement or business-policy explanation with the application. The regulator’s warning about delivery exclusions does not establish that every trip to work is excluded.
For an accepted policy, retain the coverage schedule, household classification and use explanation. For a dispute, ask CID which assistance or arbitration process fits the circumstances; do not assume every disagreement is eligible for arbitration. The coverage needs checklist can help organize those distinct questions.
Source and review scope
Read the Connecticut Insurance Department source. Material inspected October 12, 2026; this is machine-supported research, not human approval. The actual policy, applicable law and exceptions require review. Use the coverage needs checklist to prepare questions; it does not choose coverage or establish legal compliance.
Sources & references
Use these references to verify the information in this guide.
Policy terms and state requirements can change. Verify details with official sources and a licensed professional. Read our editorial standards.