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A Brief Explanation of Connecticut’s “Fault” Insurance System

Connecticut is a “fault” insurance state which means that those who are injured in an auto accident have three ways to seek compensation for their injuries. Whether a driver, a passenger, or a pedestrian, the injured party may:

  • Seek compensation by filing a claim with his or her own insurance carrier. In this case, injured party’s insurance carrier will likely seek reimbursement from the insurance company of the at-fault driver
  • Seek compensation directly from the at-fault driver’s insurance company
  • Seek compensation by filing a legal claim against the at-fault driver directly. This may involve having to go to court.

Those who are seriously injured in automobile related accidents in Connecticut are strongly advised to retain the services of a well-qualified attorney. When seeking compensation, weather from an individual or an insurance company various factor may come into play.  These factors which may be involved in determining overall compensation include medical records, crime scene reconstruction, witness testimony, expert opinions, and other factors.

Serious auto accidents in the state may result from various sources, such as distracted drivers, drunk drivers, automobile defects, tire defects, and other causes. If you have been the victim of a serious auto accident in Connecticut, or have lost a loved one in a car crash in the state, we can help you hold that driver responsible for the harm they have caused you and your family. Please call our Connecticut I-95 accident attorneys at Hastings, Cohan, and Walsh, LLP, at (888) 244-5480 or contact us online today.