Is Connecticut a no-fault or an at-fault insurance state?
A car accident can impact your health and finances. To protect yourself and other drivers, you must insure your vehicle.
According to the Connecticut Office of Legislative research, Connecticut is an at-fault state for automobile insurance. This means that after a car accident, the driver at fault for the collision has to compensate other drivers, passengers, cyclists and anyone else involved in the accident.
Determining who is at fault
If you get into a car accident, determining who is at fault may seem like it is a straightforward process, especially if the opposing driver was texting and driving, speeding or under the influence of alcohol. The accident report law enforcement officials file after the collision will document the at-fault driver’s actions.
Even if your accident report places fault on the other driver, you may still have a hard time receiving compensation. The at-fault insurance company representing the other driver may try to accuse you of causing the crash, or the other driver may deny doing anything wrong.
Filing an accident claim
To prevent issues with your insurance claim after an accident, you should file the claim against the other driver as soon as possible. This will ensure you do not fall outside the statute of limitations for filing while gathering information to support your case.
If the opposing insurance company confirms the other driver was at fault, there are many types of compensation you can receive. For example, you could receive compensation for pain and suffering, medical bills, lost income and vehicle repairs.
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