When you purchase your next automobile insurance policy, don't get the minimum.  Presently, as of June 2013, in Connecticut, the least amount of automobile liability insurance one can purchase is $20,000.00.  Don't let your insurance agent talk you into getting the cheapest insurance.   You should ask about all of your options, and you will find out that although the premiums are higher for more insurance, there is much greater value for you dollar to purchase more insurance.  For example, if you double your insurance, your price will not double.  It will be less than that.  Unfortunately, the minimum amount of insurance does not offer enough protection when you consider the high cost of medical care from even a moderate injury.  It goes without saying that you can, and should purchase more.  But you can lawfully drive a car with only $20,000.00 worth of liability insurance.  The fact is that $20,000.00 is simply not enough insurance.  It is just plain irresponsible to purchase only $20,000.00 worth of insurance.  That amount will not cover the medical bills of even a moderate injury.  

If you only have $20,000.00 worth of insurance, the you subject yourself to a personal judgment and possible bankrupcy if you are in a car crash, and it is your fault, and you insure someone.  

But more importantly, you might seriously injure someone or worse kill them, and you will have no means to take responsibiltiy for the losses you caused.  You will, therefore, be a menace to society.  So, please drive responsibily and carry  enough automobile insurance.  

If you or anyone you know has questions about insurance, and have been in a serious car accident contact the Groton car accident lawyers at The Bartinik Law Firm, PC., 100 Fort Hill Road, Groton, Connecticut at 860 445 8521 or toll free at 888 717 4211.

Peter J. Bartinik, Jr.
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Civil Trial Attorney, Practicing Law in Connecticut
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