Do I have any recourse against an insurance agent who sold me an auto policy that did not include liability coverage which is required by law in my state?

Fortunately I was not in any accidents or pulled over by an officer so I don’t have any damages as a result…but boy oh boy what trouble I could have had.

Asked on February 1, 2016 under Insurance Law, Connecticut


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 4 years ago | Contributor

No, there is no recourse:
1) No harm was done: without damages, there is no basis for seeking compensation (the law only provides compensation for actual losses, damages, injuries, etc., not for hypothetical ones).
2) Your own negligence contributed in large part--you are obligated to review what you are purchasing and make sure it's what you wanted/asked for. You should have reviewed this before signing off on the policy and paying for it. Since you were negligent as well, you don't have a basis for claiming against them.

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