If you have trouble getting auto insurance due to a less-than-perfect driving record, you can turn to the Connecticut Automobile Insurance Assigned Risk Plan (CT ARP).This Plan will ensure that you receive coverage, as long as you meet the eligibility criteria described below.
If you have trouble getting auto insurance due to a less-than-perfect driving record, you can turn to the Connecticut Automobile Insurance Assigned Risk Plan (CT ARP).
High risk drivers are apportioned to auto insurance companies based on market share.
So for example, if GEICO has 15% of the total auto insurance market in Connecticut, then it must accept up to 15% of the high risk drivers in the state.
The Plan does not provide insurance directly, but instead assigns drivers to auto insurance companies that already operate in the state of Connecticut.
Indeed, if a company wants to do ANY auto insurance business in the state, it must agree to cover a share of the high risk drivers.
However, if it is determined that you have applied in bad faith, you can be barred from applying for 12 months.
Connecticut’s Plan makes sure pretty much the same types of auto insurance coverage are available as in the voluntary market – they just may cost you more.
Just one thing to note - be sure to fill out the application accurately.
If your insurer comes to believe that you left out or misrepresented information that is important, your insurance can be cancelled.
In the Constitution State, all drivers must have minimum coverages of liability auto insurance in the amounts of 25/50/25 and minimum uninsured motorist insurance of 25/50.
Since 1981, the Plan's purpose is to cover as many drivers as possible, even when auto insurers consider them to be high risk.