Service Cannot Continue Please Contact Dmv for More Information
What is liability insurance?
Liability insurance cover's damages like personal injury or property damage for a third party, or another driver or drivers, that might happen in a car accident. This insurance doesn't cover your own injuries or property damage. You're required to maintain minimum liability insurance on your vehicle registered in CT until you cancel the registration or license plates on a vehicle.
What are minimum liability insurance requirements in CT?
You're required to maintain minimum liability insurance on your vehicle registered in CT until you cancel the registration or license plates on a vehicle. Liability insurance requirements for Connecticut drivers are as follows:
- Minimum of $25,000 per person for bodily injury and liability
- Minimum of $50,000 per accident for bodily injury and liability
- Minimum of $25,000 per accident for property damage liability is the legal requirement, but you are strongly encouraged to consider higher levels of
- coverage
Learn more about vehicle insurance coverage through the State of Connecticut Insurance Department. You can also call this department with questions: 860-297-3800
Be sure to obtain a receipt when you return your license plate and registration to the DMV, and cancel insurance or transfer ownership of a vehicle to avoid penalties.
How is minimum liability insurance tracked by the DMV?
Insurance companies are required to report uninsured motorists to the Connecticut DMV to protect all drivers as part of mandatory insurance reporting laws.
What happens if I have a lapse of insurance coverage or cancel coverage?
When you cancel your insurance coverage, your insurance company notifies the DMV. We mail you a warning notice so that you can get insurance coverage with another company. If you don't get insurance, you may have to pay a $200 fine. If you can prove you have coverage, no further action is taken by the DMV and a fine is not required.
What if I don't respond to a Warning Notice?
If you don't reinstate or confirm minimum liability insurance coverage on your vehicle, you may lose vehicle registration privileges.
You can request a hearing to prove that you were covered without a lapse in insurance, but if you don't respond after a warning notice is mailed to you, you may lose privileges to renew your vehicle registration AND register any additional or new vehicle.
How do I keep from being reported to the DMV?
Maintain liability insurance if you intend to operate your vehicle and your plates are currently registered. If you don't intend to operate your vehicle, there are two options regarding your license plates:
- Return and cancel your license plates
- Place your license plates on hold (Same steps as canceling plates, but select the "Customer held" option instead.)
What if I'm not using my seasonal vehicle and want to retain my license plates?
To keep seasonal plates, you'll need to request in writing through your insurance carrier a "suspension of liability." Keep comprehensive coverage during that time to reduce your insurance rate and keep your vehicle from being reported to the DMV. You are NOT permitted to operate your vehicle while your vehicle's liability insurance is temporarily suspended.
What if I don't want to pay insurance while my car is inoperable or being stored?
For inoperable care, you may turn your license plates into any DMV and request that they are placed "on hold" (See question 7). You may then drop all insurance coverage on the vehicle. You may also cancel your plates and request a refund if your vehicle remains unused for a year or more.
What do I do with my plates when I move out of state?
Once your vehicle or vehicles are registered with a new state, cancel your vehicle registration(s) with the Connecticut DMV and be sure to get a receipt. This prevents insurance companies from reporting you to the DMV and from taxes accruing.
What if my plates were lost or stolen?
Sign the consent agreement located at the bottom of your insurance compliance notice and mail it to the insurance compliance unit. To cancel your plate, check off lost or stolen on the notice.
You may also cancel your registration online.
How do I notify the DMV that a vehicle's owner is deceased?
Send the DMV the following documents to notify us that the vehicle owner (or registrant) is deceased:
- A copy of the death certificate or obituary published in newspaper.
- A letter of request to send all future correspondence to the party responsible for the estate
- The primary owner is responsible for the case, not any co-owners.
If I sell my vehicle but want to keep my license plates, what do I do?
Prior to the sale of the vehicle, you may request a "suspension of liability," through your insurance company, that maintains comprehensive coverage on your vehicle. By doing this, you may keep the plates on the car until you sell it and remain in compliance with the law.
After the sale of your vehicle, bring your plates to the DMV and either place them "on hold" until you are ready to use them again, or cancel your plates online. Should you have more than a year left on your registration, you can request a one-year refund, but it must be done before you cancel liability insurance on that vehicle.
When do I need to provide proof of insurance to the DMV?
When your previous insurer informs us that your insurance policy has been cancelled, we will notify you that proof of insurance is necessary. Depending on when you change your insurance carrier, your new insurance provider may be unable to provide information to show coverage prior to your being mailed a suspension warning notice.
How do I provide proof of insurance?
If the DMV requests proof of insurance coverage, a declaration page, letter of experience, or valid permanent CT Insurance Identification Card (provided by your insurance carrier) that identifies the vehicle(s) in question are the only acceptable forms of verification. Temporary insurance cards, bills, or binders are not acceptable.
How do I resolve my insurance case once my registration has been suspended?
To resolve your suspended registration, you can:
- Pay a fine:
- Pay an uninsured motorist civil penalty for each lapse of insurance of $200.
- Provide proof of insurance:
- After receipt of $200 and your proof of insurance, we rescind your registration suspension, and your current registration is then valid.
- Dispute the case:
- Learn more about how you can dispute a fine and request a hearing.
Contact the DMV Insurance Compliance Unit:
Department of Motor Vehicles
Insurance Compliance
60 State Street
Wethersfield, CT 06161-4020
860-263-5725
Source: https://portal.ct.gov/DMV/Online-Services/Vehicle-Services/Compliance-Messages
0 Response to "Service Cannot Continue Please Contact Dmv for More Information"
Post a Comment