Connecticut Motorcycle Insurance Minimum Requirements

Motorcycle owners in Connecticut are required to have liability insurance coverage to pay for damages they are responsible for causing following an accident. They must buy a policy with a minimum level of 20/40/10 in protection.

These numbers break down as follows:

  • $20,000 to pay for injuries sustained by a single person in an accident
  • $40,000 for all damages suffered by occupants of the other vehicle in an accident, no matter how many people were hurt
  • $10,000 for property damage, which includes repairing the other driver’s vehicle and other objects such as mailboxes, fences, sheds, and sign posts

A motorcycle owner can also choose to buy collision or comprehensive coverage to protect his or her bike. The collision coverage pays for repairs following an accident, while the comprehensive coverage pays out when the damage is caused by fire, severe weather, explosion, rioting, civil unrest or flooding. It also pays out when the motorcycle is stolen.

Medical payments coverage is available to motorcycle owners in Connecticut, and this insurance pays a benefit when the owner or a passenger is injured or killed as the result of an accident while driving or riding the bike. It pays claims for doctor and hospital bills, as well as x-ray, chiropractic and dental expenses for injuries sustained in the accident.