Is Connecticut a no-fault state?

No. Connecticut is an at-fault (“tort”) state — the driver who caused the crash, through their insurer, is responsible for the injury damages. You generally pursue the at-fault driver's insurer rather than your own.

What is Connecticut's fault rule for a car accident?

Connecticut follows modified comparative — 51% bar. You can recover only if you were 50% or less at fault; your award is reduced by your share.

How long do I have to file an injury claim in Connecticut?

In Connecticut the statute of limitations for a personal-injury claim is generally 2 years from the date of the accident. Miss it and the claim is usually barred for good — separate from any deadlines your insurer sets.

Connecticut · Injury claims

Car accident injury claims in Connecticut

In Connecticut, an injury claim runs through the at-fault driver's insurer — and how much you can recover turns on the state's fault rule, coverage minimums, and a filing deadline that's easy to miss. Here's what shapes an injury claim in Connecticut.

Get started — free

Connecticut at a glance

Fault rule: Modified comparative — 51% bar
No-fault state?: No
Minimum liability coverage: 25/50/25 ($25K BI/person, $50K BI/accident, $25K PD) effective 1/1/2018 under P.A. 17-114 (raised from prior 20/40/10), per C.G.S. § 38a-335. (Note: prior bank's 'P.A. 22-37 / 1/1/2024' was a retracted fabrication.)
Time limit for an injury claim: 2 years

How fault works in Connecticut

C.G.S. § 52-572h uses the 'not greater than the combined negligence of the persons against whom recovery is sought' formulation. Plaintiff at 51% or greater recovers $0; plaintiff at exactly 50% recovers 50% (FL/TX/MI/PA/NJ/NV cluster; distinct from the GA/OH/IL/MA/CO/UT 'not greater than 50%' cluster). In multi-defendant cases, plaintiff's fault is compared to the AGGREGATE defendant fault — a structural advantage. CT uses modified several liability post-1986 with some joint exposure for economic damages.

Paying for injuries in Connecticut

Connecticut repealed its no-fault statute (former § 38a-365 et seq.) via P.A. 93-297 effective 1/1/1994 and has been a pure at-fault state since. There is NO PIP and NO tort threshold — noneconomic damages are recoverable from the first accident, subject only to the modified comparative 51% bar. MedPay is optional first-party medical coverage (carrier-offered, not statutorily required). First-party medical otherwise flows through the claimant's health insurer (subject to subrogation/lien); recovery against the at-fault driver flows through the third-party BI liability claim.

How Moe handles injury claims in Connecticut

Knowing the rule is one thing — applying it against a carrier is another. Moe builds your case to Connecticut’s rules, drafts every letter for your approval, tracks the deadlines, and only pings you when there’s a decision to make.

Open my Connecticut case — free See how it works

Connecticut injury claims — common questions

Is Connecticut a no-fault state?: No. Connecticut is an at-fault (“tort”) state — the driver who caused the crash, through their insurer, is responsible for the injury damages. You generally pursue the at-fault driver's insurer rather than your own.
What is Connecticut's fault rule for a car accident?: Connecticut follows modified comparative — 51% bar. You can recover only if you were 50% or less at fault; your award is reduced by your share.
How long do I have to file an injury claim in Connecticut?: In Connecticut the statute of limitations for a personal-injury claim is generally 2 years from the date of the accident. Miss it and the claim is usually barred for good — separate from any deadlines your insurer sets.

Learn more

All Connecticut accident-claim rules · Other states

Sources

This page summarizes Connecticut’s car-accident claim rules for general information — it is not legal advice, and the rules can change. What applies to your claim depends on your policy and the specific facts.