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At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. A Connecticut is serious business and the state takes a hard line on leaving the scene of an accident. However, hit-and-runs are still increasingly common across the U.S. Knowing how to respond to one of these accidents could help you feel prepared should you be involved. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Hit-and-runs in Connecticut
A hit-and-run is when a driver fails to stop and provide insurance information after an accident. Nationally, approximately . Between 2006 and 2016, Connecticut recorded 148 hit-and-runs that resulted in at least one fatality. Because of the potential severity of these accidents, the state’s laws are serious. Connecticut hit-and-run laws
Connecticut statute makes it illegal to drive off from the scene of an accident without exchanging insurance information. Depending on the accident, the driver may be charged with either a under Connecticut hit-and-run law. A misdemeanor in Connecticut brings with it a possible jail time of up to one year and a fine of up to $600. A felony, on the other hand, may put the driver behind bars for up to 10 years and result in a fine of up to $20,000. How hit-and-runs impact car insurance rates in Connecticut
Hit-and-run claims generally increase premiums, even if you aren’t at fault. Filing any kind of claim on your insurance can increase your rate and you could lose claims-free discounts in the process. However, if you are at fault for a hit-and-run, are found and file a claim, your increase will likely be higher than if you were not at fault for the loss. Additionally, if you are the at-fault driver in a hit-and-run in Connecticut, a judge may order you to with the state. This form will prove to the state that you are carrying an insurance policy that meets or exceeds the state minimum limits. Average annual full coverage premiums: Before a hit-and-run After a hit-and-run After a standard accident Connecticut average $1,845 $3,041 $2,219 National average $1,674 $3,367 $2,311 For a standard accident, the increases about 20% per year. However, for a hit-and-run, the average percentage increase is 65% per year, making it three times more expensive in the long run. 5 things to do after a hit-and-run in Connecticut
Being the victim of a hit-and-run can be stressful, so knowing how to respond before the incident happens may help you feel more in control. Below are five steps you could consider taking if you’ve been involved in a Connecticut hit-and-run. If anyone is hurt, call 911: The first thing you should do after a hit-and-run is make sure everyone is safe and injury-free. If need be, call 911 and tell the dispatcher you need an ambulance. Move your car out of harm’s way: It is unnecessary to stay at the exact scene where the accident occurred, especially if you are interrupting the flow of traffic. If your vehicle is driveable, you may want to move it to a nearby shoulder or parking lot. File a police report: If you’ve already called for medical assistance, the police may also be on their way. However, even if there are no injuries, calling the police and filing a report can be helpful to record details and may allow law enforcement to track down the at-fault party. Take pictures: When you and your car are safely removed from traffic, take pictures of any damage your car sustained from the accident. Photos can be helpful during an insurance claim. File a claim with your auto insurance provider: If you want to file a claim on your own insurance for the damage or medical expenses caused in the hit-and-run, you’ll need to contact your insurance company. You can often file a claim by phone, online or in a mobile app. Will insurance cover a hit-and-run
While actual hit-and-run insurance does not exist, there are that may help you in the event of a hit-and-run. : Collision coverage is part of a full coverage policy and is designed to pay for damages to your car, regardless of fault. You may need to pay a deductible for this coverage, though. : This optional coverage pays for the medical costs of you and your passengers, up to your policy limit, also regardless of fault. : These coverage types are required in Connecticut and may help pay for your medical bills if the other driver was found and does not have insurance or does not have enough insurance for your damages. If you are unsure about what type of coverage you have, or about what types of coverage options your insurance provider offers, speak with an agent. Frequently asked questions
How much does car insurance cost
There is not a set price for car insurance every driver pays; rates vary based on your individual rating factors. However, the state average for car insurance in Connecticut is $1,845 per year for full coverage. What is the best car insurance company
The for you will depend on your own personal wants and needs. A driver looking for the cheapest rates might choose a different company than a driver looking for the best customer service, for example. Knowing what you want from a provider and getting quotes from several companies could help you find the right fit. Is there a hit-and-run deductible
Hit-and-run insurance is not a separate policy, so there is no specific “hit-and-run deductible.” However, individual policy coverage types may have deductibles. If you file a claim for damage to your car under your collision coverage, for example, you may have a deductible. Reviewing your policy with your agent is one of the best ways to understand your coverage. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage. SHARE: Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, life insurance, and other topics in the personal finance industry. Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.