Reader’s Question:

I have been trimming down all my expenses for my car here in Bridgeport, Connecticut, and wonder if I can get by with just basic auto insurance. What are covered under basic auto insurance?

Lizzy

Bridgeport, CT

Your basic auto insurance policy, depending on your provider, generally provides coverage for seven categories: Bodily Injury Liability, Personal Injury Protection (PIP) or Medical Payments (MedPay), Property Damage Liability, Collision Coverage, Comprehensive and Underinsured or Uninsured Motorist Coverage and, depending on the State, Towing and Rental Reimbursement. Before you streamline your car insurance policy it is best that you are aware of the Financial Responsibility law there in Bridgeport, Connecticut, which requires car owners to have at least some minimum amount of car insurance coverage when on the road.

Although it is wise, and practical, for you to remove the excess coverage you may have that you may not even end up needing or using at all, you need to make sure you are still keeping yourself, your family or whoever else driving your car safe by keeping coverage that will save you a lot of trouble, and money, in the event of a vehicular accident. You will definitely want to keep PIP or MedPay and Bodily Injury since not only does this cover all medical or hospitalization bills, this can also cover compensation for wages lost or even funeral expenses. Collision and Property Damage pays for expenses and liabilities incurred due to your vehicle hitting another or an object, house, establishment and any other form of public property. Comprehensive deals with events such as theft, loss due to natural disasters or vandalism and keeping this depends on how new your car is and the likelihood that such events will happen in your location. You should take the time and balance out and be realistic about your car insurance protection needs to end up with the right kind of protection for you.

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