Does Connecticut Have “No-Fault” Car Accident Laws?

What Is a No-Fault Car Insurance System?

In the United States, car insurance laws typically fall into one of two categories: fault and no fault. In a fault state, the driver who caused the car accident is financially responsible for the collision. Victims can file a lawsuit or insurance claim against the driver to recover compensation for their losses. However, they will need to prove the driver’s liability to secure a settlement.

Under a no-fault insurance system, each driver’s insurance company pays for their own policyholder’s injuries and damages, regardless of who caused the accident. This means that drivers do not have to prove fault to receive compensation for their losses. 

In no-fault states, drivers must purchase personal injury protection (PIP) coverage to pay for their losses after a collision. Victims can pursue third-party claims if they meet certain requirements, such as suffering serious injuries. 

Is Connecticut a No-Fault Accident State?

Connecticut is not a no-fault state. Instead, it follows a traditional fault system, which means that the at-fault driver is responsible for paying for the damages and injuries caused by the accident. These damages may include medical expenses, property damage, lost wages, and pain and suffering.

To uphold this financial responsibility, all drivers must carry liability insurance. PIP coverage is available, but it is an optional form of coverage. 

Under Connecticut law, liability coverage must include:

• At least $25,000 for bodily injury liability per person per accident
• At least $50,000 for total bodily injury liability when two or more people were injured in an accident
• At least $25,000 for property damage per accident

If you are injured in a Connecticut car accident, you have two main options to recover compensation: pursuing a third-party insurance claim or filing a personal injury lawsuit. You can also file a claim with your own insurance company as long as you hold a policy that will pay for your losses.

What to Do If You Are Injured in a Connecticut Car Accident

A car accident can be a traumatic experience, leaving you with physical injuries, emotional stress, and financial losses. To protect your rights and increase your chances of a successful claim, it is important to take the following steps:

• Call 911 and report the accident to the police. The responding officers will create a report that you can use as evidence in your future case.
• Seek medical attention for any injuries that you have sustained, even if they seem minor. Some injuries do not show any symptoms at first, so it is important to receive treatment to avoid dangerous consequences.
• Gather information about the other driver, including his or her contact information and insurance details. If any witnesses saw the accident, gather their names and contact information as well.
• Take as many videos and photos and videos of the accident scene as possible. Make sure to capture damage to the vehicles, the area around the collision, and any visible injuries or property damage.

Once you have taken these actions, contact a Connecticut car accident lawyer to discuss your case and plan your next steps. An attorney can help you navigate the claims process, negotiate with the insurance company, and fight for the compensation that you deserve.