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Discusses the use of financial history measurement programs (i.e., credit histories) in Connecticut automobile insurance underwriting or rating. Updates and expands OLR research report 2009-R-0185.

Discusses "no pay, no play" auto insurance law, which states have enacted such a law and whether Connecticut considered adopting one.

Discusses penalties for driving an uninsured vehicle in Connecticut. Updates and replaces OLR research report 2016-R-0037.

Discusses whether state law mandates how auto insurers must calculate the claim settlement amount for a totaled motor vehicle. Replaces OLR research report 2004-R-0674.

Discusses penalties for driving a vehicle in Connecticut without auto insurance.

Discusses what program the Dept. of Motor Vehicles has in place to verify if people are maintaining the minimum motor vehicle insurance required by state law for private passenger vehicles.

Discusses why auto insurance companies can provide only $10,000 in coverage for property damage when most cars cost more than that amount.

Discusses why automobile insurance companies require that the title, registration, and insurance for a motor vehicle all be in the same name.

Discusses what Connecticut law requires regarding automobile insurance, whether it is a no-fault system, and how no-fault insurance works.

Discusses whether Rhode Island law requires motor vehicle insurers to provide a premium discount to customers who have their vehicle's windows etched with the vehicle identification number (VIN) and for a summary of Connecticut requirements relating to VIN etching.

Discusses whether a person can make a claim for the diminished resale value of a vehicle that has been in an accident under an auto insurance policy written in Connecticut and if this is addressed in any other state's statutes.

Discusses "concierge service" auto insurance service options.

Explains if it is legal for an auto insurer to charge a cancellation fee if the policyholder cancels his auto policy before the renewal or expiration date. Discusses whether the insurer must disclose the fee and whether there is a maximum fee amount that may be charged.

Discusses if territorial rating is legal. Outlines the average cost of motor vehicle insurance for a suburban driver versus an urban driver. Describes the main criteria insurers use to develop motor vehicle insurance rates and explains what can be done to lower rates for urban drivers.

Outlines what the penalties are for driving without motor vehicle insurance, when the fines were last increased, and how many offenses have been reported for driving without the required insurance.

Describes what program the Dept. of Motor Vehicles (DMV) has in place to ensure individuals are maintaining the minimum motor vehicle insurance required by law and the fines for not maintaining such insurance.

Explains if an automobile insurance company has the right to demand information from a policyholder on other drivers in the household.

Outlines whether the law requires insurers to notify the Dept. of Motor Vehicles upon cancellation of a motor vehicle insurance policy issued to a vehicle with a commercial registration.

Discusses fines and penalties are for driving without insurance.

Discusses whether a temporary loan agreement used by an auto dealer who loans a car to a customer having his vehicle serviced makes the customer's automobile insurance policy primary.

Discusses what changes to the automobile insurance statutes have been proposed by the General Assembly in the last few sessions.

Discusses whether there is a state law on how insurance companies must calculate settlements for totaled motor vehicles.

Discusses whether Connecticut insurance companies increase auto insurance premiums for older drivers.

Discusses whether 1.) auto insurance companies can request medical information from older drivers and 2.) if an insurance company could deny coverage if an older driver misinterprets an insurance company's question and therefore provides inaccurate information.

Discusses Insurance Guaranty Fund. Also discusses if it applies to auto insurance and whether it is available to an insurance company that has a subrogation claim against another company.

Explains how a Connecticut part-time motor vehicle operator might avoid violating the state's motor vehicle registration and insurance laws.

Discusses whether California, Connecticut and Texas allow owners of private passenger motor vehicles to self-insure, by posting a bond, against their potential liability for personal injury or death.

Discusses some of the issues the Insurance and Real Estate Committee is likely to consider during the 2002 legislative session.

Discusses if the Department of Motor Vehicles (DMV) or the legislature has ever considered requiring older drivers to take the American Association of Retired Persons (AARP) Driver Safety Course.

Summarizes proposed bills introduced last session that would have affected insurance companies use of consumer credit reports in underwriting and pricing automobile and homeowners' insurance.

Discusses whether an insurer can deny auto insurance coverage solely on the basis of credit report information it obtains under new Insurance Dept. rules.

Discusses whether the insurance commissioner regulates adjustments to amounts paid under an uninsured and underinsured motorist insurance policy.

Discusses whether an automobile insurer (Zurich) can legally compute the premium it returns at 90% of the pro rata unearned premium for a policy that an insured cancels mid-term, whether proposed legislation to limit the percentage of this type of charge has been introduced and, if not, what section of the statutes would have to been amended to limit this charge.

Discusses whether by statute or common law people responsible for an automobile accident are required to report it to their insurance company.

Discusses whether it legal for an unlicensed owner of a vehicle to buy insurance, whether the insurer can legally deny liability for an accident caused by the unlicensed owner of the vehicle, what remedies are available for bad faith insurance claims practices, and what options are available to an accident victim in these circumstances.

Discusses whether the underwriting insurer and the purchaser of an automobile maintenance, repair or warranty contract must pay the sales tax.

Discusses whether the law permits the use of two different sources (National Automobile Dealers Association's (NADA) Used Car Guide and the Automobile "Red Book") in determining the value of damaged automobiles and averaging these values in order to arrive at a final settlement amount.

Discusses whether the state's automobile insurance law is being enforced, and if so, how; what use, if any, insurers make of credit information for underwriting homeowners' and umbrella coverage; and, the status of health insurance in the state, including the lack of medical savings account availability.

Discusses whether any state allows nonprofit automobile insurance cooperatives where a defined group buys automobile insurance for its members.

Discusses whether the foster parents of a foster child are liable to an innocent accident victim if their child causes an accident while driving the vehicle of a friend.

Discusses whether an insurer who has paid the medical bills of its insured as a result of an accident may subrogate (get reimbursed for such payment) against the insurer of the driver.

Discusses whether it is a violation of the insurance statutes for an automobile replacement glass installer to take insurance agents to lunch or dinner for referring customers needing replacement glass.

Discusses the dollar amount of liability insurance required by law and whether this amount has changed over time, and if so, how much and when.

Discusses whether state law allows fire departments to claim reimbursement from an owner's motor vehicle insurance policy for the cost of putting out a car fire.

Discusses Reliance Ins. Co. v. American Casualty Ins. Co. of Reading, Pennsylvania, 238 Conn. 285 (1996), in which the State Supreme Court held that PA 93-297 § (1)(f) was an amendment intended toto clarify prior law, meaning that an employee injured in an auto accident prior to January 1, 1994, could receive both workers' compensation benefits and uninsured motorist benefits from her employer's liability insurance policy.

Discusses penalties for an unlicensed motor vehicle operator who drives an uninsured motor vehicle and is involved in an accident.

Discusses legislative history of state regulations 38a-334-5(c)(3) and 38a-334-6(c)(3) to see whether the obligation to pay disability benefits that can relieve an insurer from defending and paying an insured's claim under an automobile liability policy includes federal social security disability benefits.

Discusses Connecticut Supreme Court case James Lash v. Aetna Casualty and Surety Company et al. (236 Conn. 318 (1996)) which involves the determination of underinsured motor vehicles and the constitutionality of the underinsured motor vehicle statute, CGS 38a-336(e).