Is there a federal law mandating auto insurance

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Uninsured and underinsured motorist coverage covers bodily injury to the vehicle owner (“owner”), relatives living with the owner, and passengers injured in an accident caused by (1) an uninsured motorist, (2) a motorist whose bodily injury liability limits are less than the owners bodily injury liability coverage, but an owner may purchase additional coverage up to double the bodily injury liability.The law requires a minimum amount of ,000 per person and ,000 per accident.Under the terms of a standard automobile insurance policy, an insurer has a duty to defend an insured person and a right to recover any payments it makes to an insured from those at fault.As of July 2008, 12 states have no-fault insurance laws, according to the Insurance Information Institute: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.The benefit paid medical expenses and lost wages incurred due to an injury sustained in an automobile accident without regard to who was at fault.In exchange for this benefit, the no-fault law restricted an innocent accident victims negligent operation of a private passenger motor vehicle can seek compensation for their injuries from the at-fault driver and, if necessary, initiate a personal injury lawsuit to determine fault and the amount of damages to be awarded.

The underinsured motorist conversion coverage cannot be reduced by payments from any other source, including the at-fault driver Each automobile insurance policy providing comprehensive coverage, whether designated as such or included in a policy providing broader coverage, must include, at the option of the insured, complete coverage for repair or replacement of all damaged safety glass without regard to any deductible or minimum amount Each automobile insurance policy that covers a private passenger motor vehicle must contain, or have attached, a conspicuous statement specifying whether the policy provides liability, collision, or comprehensive coverage for damage to a rented private passenger motor vehicle.The term “no-fault automobile insurance” is often used to refer to automobile insurance that permits a person to recover financial losses from his or her own insurance company regardless of who caused the loss (i.e., no-fault first-party benefits or personal injury protection). In the strictest sense, a no-fault insurance program is one that both (1) provides payment of no-fault first party benefits and (2) restricts the right to sue by establishing an injury severity threshold that, if not met, prohibits a person from suing for damages.Before January 1, 1994, Connecticut had a no-fault insurance law that required private passenger motor vehicle owners to purchase a basic reparations coverage benefit of ,000.Each insurer must provide uninsured and underinsured motorist coverage with bodily injury and death limits equal to the liability coverage limits the insured purchased, unless the insured requests in writing a lesser amount, but at least ,000 for injury or death of one person and ,000 if more than one person in any accident.Each insurer must offer limits up to twice the bodily injury liability limit the insured purchased (CGS 38a-336(a)).

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