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Category Archives: Connecticut Insurance

If you are a new Connecticut Driver or a veteran driver not familiar with the minimum auto insurance coverage limits required by the state of Connecticut, InsureDirect offers the following Auto Insurance coverage definitions and Auto Insurance Minimum Coverage Limit explanations.

Auto Insurance Liability insurance covers bodily injury to other people and damage to the property of others caused by your negligence or the negligence of someone driving your car with your permission. A minimum of $20,000 per person and $40,000 per accident for bodily injury liability and $10,000 per accident for property damage liability, is required by law, but drivers are strongly urged to consider higher limits to protect their assets.

Auto Insurance Uninsured/Underinsured motorist coverage

Connecticut State Flag
Connecticut State Flag

covers bodily injury to you, your relatives who live with you and your passengers if they are injured in an accident caused by an uninsured motorist, a motorist whose bodily injury liability limits are less than your uninsured/underinsured motorist limits or a hit-and-run driver. The standard coverage is an amount equal to your bodily injury liability coverage, but you may purchase additional coverage up to an amount double your bodily injury liability. The minimum amount required by law is $20,000 per person, $40,000 per accident.

Auto Insurance Underinsured motorist conversion coverage also provides for reimbursement in case you are injured by an underinsured driver. If your damages exceed the at-fault driver’s insurance, or other payments, your underinsured motorist conversion coverage will be available for damages not paid. This optional coverage is not reduced by payments from any other source, including the at-fault driver’s liability insurance.

Basic reparations or medical payments coverage. This optional coverage replaces formerly mandatory coverage and provides for medical payments, and in some cases, lost wages and funeral expenses if you or a relative living with you are injured or killed in an accident.

Auto Insurance Collision coverage covers damage to your car caused by collision with another vehicle or object or by your car turning over. There is almost always a deductible which you must pay if you repair or replace the car.

Auto Insurance Comprehensive coverage covers damage to your car other than that caused by collision, including theft, vandalism, impact with animals or birds, explosion, flood, falling objects, windstorm and glass breakage. As with collision coverage, there is usually a deductible.

Full glass coverage covers your car’s glass for breakage of safety glass with no deductible for an extra premium. Towing coverage covers the expense of towing your car to a shop. Rental reimbursement pays toward the expense of renting a vehicle if you have a loss covered by either collision or comprehensive coverage and your car is disabled.

Hurricane Sandy Takes It’s Toll on Thousands Of Boats

Hurricane Sandy Destroys Thousands Of BoatsPost Date November 19, 2012 – The United States Boat Owner’s Association announced last week more than 70,000 power boats, sail boats and jet ski’s were either damaged or sunk when Hurricane Sandy his the east coast two weeks ago. Hurricane Sandy and the winds it brought to New Jersey, New York and the other states hit the boating industry like a sledge-hammer. Insurance industry insiders have described Hurricane Sandy as the single-largest insurance industry loss in nearly 20 years. Watercraft destroyed by Hurricane Sandy have already reached $650 million dollars.

Hurricane Sandy destroys over 70,000 boats

Hurricane Sandy forced thousands of motor boats and sail boats to wash up on beaches, residential areas, streets and highways. Boats which were stored in marinas have become inoperable because of all the debris which washed in to the boats hauls.  Marina’s and Slip Docks in on the coast of New Jersey and Staten Island suffered the greatest amount of damage of all the east coast states. The estimated damage from Hurricane Sandy in the coastal areas New York has now reported the greatest number of watercraft damage. The amount of damaged boats in New York is over 32,000. In second place is the coastal areas of the of New Jersey.  Over 25,000 Sail and Power Boats were lost or damaged in the Garden State.  Hurricane Sandy logged the 3rd largest amount of damaged in Connecticut with 2,500 watercraft lost.

The association through its Marine Insurance Program is looking into the storm’s aftermath as to assess how it had affected recreational boats in order to come up with a much sturdier boat damage prevention measures.  One interesting item revealed an early sign shows that boats being kept on floating docks supported with tall pilings had the best chance of surviving a storm the size and scope of Hurricane Sandy.


Michael E. Dortch
President &  Managing Agent
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

Insurance Agent Pays Back $1.7 Million Unlawfully Obtained

Insurance Agent Pays Back $1.7 Million Unlawfully Obtained

Thursday’s Post 11/17/11 –  Connecticut regulators have agreed with, William Gallagher Associates, a Property & Casualty Insurance Agent based in Massachusetts, to  pay $100,000 in penalties and give back $1.7 million to the Connecticut’s State General Fund. The penalties are part of the settlement between the insurance broker and Connecticut regulators over a case filed by Milford Power Company,… Continue Reading

Connecticut To Waive Storm Deductibles Resulting From Irene

Many customers throughout Pennsylvania, New Jersey, Delaware and Maryland and parts of Ohio experienced losses from Hurricane Irene. It seems like no one was immune regardless if you lost your car, home, motorcycle or boat to wind or flooding.  My family home I lost its power for four days and many of my neighbors in the Bucks County Area of Pennsylvania experienced severe… Continue Reading offices Shake From Earthquake

On Tuesday August 30, 2011,  a strong earthquake rattled the East Coast of the US starting in the State of Virginia. The earthquake was so strong that it could be felt as far as Pennsylvania and inside the corporate offices of in Lansdale, PA which is 35 miles northeast of Philadelphia and all the way to Canada. The… Continue Reading

Insurance For Every Need

Insurance For Every Need

Day in and day out, 365 days a year; drivers all over the United States shop for all types of Insurance coverage. They’re shopping at the time of their auto insurance renewal, when they turn 16, or when they find out their auto insurance is being cancelled. is not just licensed to sell many… Continue Reading