{"id":38305,"date":"2025-11-15T11:27:00","date_gmt":"2025-11-15T16:27:00","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=38305"},"modified":"2025-12-11T11:37:26","modified_gmt":"2025-12-11T16:37:26","slug":"is-ct-a-no-fault-state","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/is-ct-a-no-fault-state","title":{"rendered":"Is CT a No Fault state?"},"content":{"rendered":"\n

If you get into an accident as a Connecticut<\/a> resident, who pays for the injuries? Is Connecticut a no fault state? Here\u2019s everything you need to know about fault in Connecticut.<\/p>\n\n\n\n

What is \u201cNo Fault\u201d?<\/h2>\n\n\n\n

In a no fault state, drivers go first to their own insurance policies to get compensation for injuries suffered in an accident, no matter who was at fault. No fault states typically also have some limit on how an injured party can sue.<\/p>\n\n\n\n

Is Connecticut a no fault state?<\/h2>\n\n\n\n

Connecticut is not a \u201cno fault state\u201d. A driver injured because of another driver\u2019s negligence can collect payment for injuries from the at fault driver\u2019s insurance.<\/p>\n\n\n\n

Coverage for your own injuries are not required in Connecticut<\/a>, but may be purchased as part of your policy. Medical Payments coverage (MedPay) helps pay for your own medical expenses resulting from an accident, no matter who was at fault.<\/p>\n\n\n\n

How do claims work?<\/h2>\n\n\n\n

If you get into an accident, which insurance company you file a claim with depends on what kinds of coverage you have.<\/p>\n\n\n\n

If you carry coverages like MedPay or collision, you should file a claim with your own insurance company first. These can help pay for your own injuries and damages, even if you were found to be at fault for the accident.<\/p>\n\n\n\n

If you don\u2019t have coverage for your own expenses, you\u2019ll need to file a claim with the other driver\u2019s insurance to get compensation for medical expenses and repairs if you were not at fault for the accident.<\/p>\n\n\n\n

Connecticut uses a comparative negligence system. The amount of money a driver can recover is reduced by their share of the fault in an accident. If you\u2019re found to be over 50% at fault for an accident, you won\u2019t be able to recover anything from the other driver\u2019s insurance.<\/p>\n\n\n\n

For example, if you get into an accident and it\u2019s determined you were 20% at fault, the other driver will be responsible for paying 80% of your expenses. In other words, the amount of money you can receive is reduced by your share of the fault.<\/p>\n\n\n\n

Filing a claim can be stressful, but Plymouth Rock makes it easy<\/a>. We send you all the documents and forms you need. Our friendly specialists and skilled adjusters will guide you every step of the way and make sure you\u2019re taken care of.<\/p>\n\n\n\n

What does insurance cover in Connecticut?<\/h2>\n\n\n\n

In Connecticut, a car insurance policy is required to have the following coverages at these limits:<\/p>\n\n\n\n

Required Coverage<\/strong><\/td>Minimum Limit<\/strong><\/td><\/tr>\n\n
Bodily Injury Liability<\/td>$25,000 per person \/ $50,000 per accident<\/td><\/tr>\n\n
Property Damage Liability<\/td>$25,000 per accident<\/td><\/tr>\n\n
Uninsured\/Underinsured Motorist<\/td>$25,000 per person \/ $50,000 per accident<\/td><\/tr>\n<\/table><\/div>\n\n\n\n

Liability coverage pays for injuries and damages you cause in an accident, but does not cover your own expenses. That\u2019s why it\u2019s important to carry more coverage for yourself, like MedPay and collision. This way, no matter who was at fault for the accident, your own expenses can be covered.<\/p>\n\n\n\n

MedPay<\/strong> is an optional coverage in Connecticut that helps pay for reasonable medical and funeral expenses you or members of your household family incur as a result of an accident.<\/p>\n\n\n\n

Collision coverage<\/strong> helps pay to repair or replace your car after a collision with another vehicle or stationary object. Collision covers damage to your car or someone else\u2019s car that you are using with permission.<\/p>\n\n\n\t\t

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Now let\u2019s talk about you<\/strong>
\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at 800-516-9242<\/a> or speak to a local agent<\/a>. \n

\nIf you\u2019d rather not talk, you can get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"

Connecticut is not a no fault state, so an injured driver can collect payment from the at fault driver\u2019s insurance.<\/p>\n","protected":false},"author":6,"featured_media":38301,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[79],"class_list":["post-38305","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto","state-ct"],"acf":[],"yoast_head":"\nIs Connecticut a No Fault state? | Plymouth Rock Assurance<\/title>\n<meta name=\"description\" content=\"Connecticut is not a no fault state, so an injured driver can collect payment from the at fault driver\u2019s insurance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.plymouthrock.com\/resources\/is-ct-a-no-fault-state\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is CT a No Fault state?\" \/>\n<meta property=\"og:description\" content=\"Connecticut is not a no fault state, so an injured driver can collect payment from the at fault driver\u2019s insurance.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.plymouthrock.com\/resources\/is-ct-a-no-fault-state\" \/>\n<meta property=\"og:site_name\" content=\"Plymouth Rock Assurance | Car Insurance and Home Insurance\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PlymouthRockAssurance\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-11T16:37:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2023\/08\/no-fault-insurance-CT-640x350-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"350\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@plymouthrock\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/is-ct-a-no-fault-state\",\"url\":\"https:\/\/www.plymouthrock.com\/resources\/is-ct-a-no-fault-state\",\"name\":\"Is Connecticut a No Fault state? 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