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Connecticut Insurance Laws and Regulations

The Connecticut Insurance Department develops and enforces the insurance laws. The Connecticut Insurance Department publishes raw complaint data on closed complaints. The raw complaint data found on the Connecticut Insurance Department's website shows a comparison of how many complaints insurance companies that operate in Connecticut have lodged against them. Consumers can contact the department with questions about their auto and home insurance, and to file complaints. If you do not receive the service you expect from an insurer, you can file a complaint directly with the Department of Insurance. 

Important Laws

A summary of the driving safety laws affecting drivers in the state of Connecticut can be found by clicking this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Connecticut.

The CT Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

Up through 2014 insurance companies could refuse to insure homeowners and businesses that hadn't taken hurricane precautions like storm shutters. The state of CT has now outlawed that practice. This means an insurers can no longer refuse to insure businesses and homeowners that do not use wind mitigation products. Click here for more information on CT laws relating to hurricane winds .

Connecticut has minimum auto insurance amounts that are required by law. The table below shows the CT minimum car insurance limits.

Resources Available to Consumers

The Small Claims Court is available for consumers to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.