Connecticut observes fault laws for the purpose of auto accident insurance claims. These guidelines affect how you can seek compensation for personal injury and property damage after a collision.
Review the Connecticut fault standards to understand what they mean for your coverage.
Pursuing injury compensation
You can select from several options to recover your medical expenses after a serious car accident when another driver caused the crash. You can file a claim with your own auto insurance provider. If the adjuster finds that another motorist was at fault, your insurer will pursue compensation from his or her insurer.
If you have strong proof of fault on behalf of the other driver, you can file a claim directly with his or her insurer. For example, you may have a police report indicating that someone driving under the influence of drugs or alcohol hit your car. In this type of situation, you can also choose to sue the other driver.
Understanding comparative fault
Connecticut also uses the modified comparative fault standard. Under this rule, you can seek compensation against any party with at least 50% fault for the collision if you have an injury. If you share some fault but less than 50%, the court can reduce your compensation by your fault amount.
You can also file a lawsuit if the other driver does not have auto insurance. Uninsured motorist coverage will pay the cost of your injuries up to your policy limit in this case.
If you decide to sue the at-fault driver after a Connecticut car accident, you have two years to bring your case to court.