Connecticut Car Accident Laws (2025 Updated)

Q: Is CT a No-Fault State for Car Accidents?

Connecticut does not use a no-fault system. Drivers must pursue compensation through the at-fault driver's insurance by proving negligence. Evidence may include speeding, texting, or failing to yield. Insurance companies investigate carefully and may dispute claims to avoid payouts.

Q: Am I at Fault if I Hit a Car in Front of Me Because He Slammed on His Brakes Very Suddenly?

Rear-end collisions typically place fault on the trailing driver. Exceptions occur if the lead driver braked without reason or if their brake lights were not working. Evidence like dashcam footage, witness statements, and damage patterns can affect liability. The following driver is responsible for maintaining a safe distance to avoid accidents from sudden braking.

Q: Whose Insurance Do You Call if You're Not at Fault?

If you're not at fault, you should contact the at-fault driver's insurance company to start a liability claim. You should also notify your own insurer promptly so they are aware of the accident. If the at-fault driver is uninsured, your own insurance may cover damages. In 2023, 11.8% of Connecticut residents were uninsured.

Q: How Long Do You Have to Report a Car Accident in CT?

Connecticut drivers must report accidents to law enforcement within five business days if there is injury or property damage over $1,000. Insurance companies generally prefer sooner reporting. Early documentation helps protect your ability to recover damages and prevents complications with claims or legal penalties.

Connecticut Car Accident Laws (2025 Updated)

Car Accidents On Saturday, October 11, 2025

After a collision in the state, it’s important to have a strong understanding of Connecticut car accident laws. With major highways like I-95, I-85, and I-91, accidents can happen for both in-state residents and travelers from other states. Explore state accident laws, how fault is determined, and the compensation you may be entitled to after a collision.

Connecticut Car Accident Laws

Connecticut follows a few key principles when it comes to determining fault after an accident. These laws also cover compensation rights and insurance responsibilities. These laws directly influence the outcome of your claim.

Connecticut is a fault-based state. A fault-based system means the driver who caused the collision is legally responsible for paying for the resulting injuries and property damage. Determining fault isn’t always easy. Insurance companies may dispute the liability to avoid payouts.
Modified comparative negligence. The state uses a modified comparative negligence system. This means that if you’re more than 51% at fault, you can’t recover anything for the accident. Again, insurance companies may try to exaggerate your level of fault to reduce paying for damages.
Mandatory auto insurance requirements. Connecticut requires drivers to have minimum liability insurance. They also mandate uninsured and underinsured motorist coverage. This protects you if the at-fault driver can’t cover your full losses.
Car accident reporting laws. Car accidents must be reported in the event that the collision resulted in serious injury, death, or property damage over $1,000. You could face legal penalties if you don’t report the crash. It could also hurt your claims.
Statute of limitations. Accident victims have two years from the date of the accident to file a legal claim for damages. If you miss the deadline, you may not be able to recover any damages from the accident. Exceptions apply for government vehicles, those involving minors, and wrongful death cases.
Distracted driving and DUI. The state has hands-free laws that prohibit handheld devices while behind the wheel. Texting while driving is illegal in Connecticut. The state also imposes serious penalties for drunk or impaired driving. If you’re injured in a DUI accident, you may receive enhanced damages, such as punitive damages to punish the driver for reckless or intentional misconduct. In 2022, Connecticut reported the loss of 140 people due to alcohol-impaired crashes.

What to Do After a Connecticut Car Accident

After an accident in Connecticut, knowing the right steps to take can protect your claim. Begin by calling 911 or the local police department. Be sure to get medical attention right away. Even minor injuries can end up being much worse. Certain injuries, such as internal bleeding and concussions, may not present symptoms right away.

If you’re able to do so, gather evidence, including photos of injuries, vehicles, and the accident scene. Document all damage done to the vehicles or surroundings to help with accident reconstruction and determining fault.

Never admit fault. Even apologizing can be perceived as an admission of fault. However, you can still report the accident without giving a recorded statement.

You’ll want to contact an experienced Connecticut car accident attorney who can guide you through insurance company interactions. They can also help gather evidence, work with accident reconstruction experts, and fight for the compensation you deserve after an accident.

Why You Should Choose Loughlin FitzGerald, P.C.

Loughlin FitzGerald, P.C., has a strong reputation for delivering successful outcomes to car accident victims. We hold years of experience and take the time to understand our clients’ needs and goals.

Insurers use every avenue to avoid payouts, but we aren’t afraid to back down. You deserve compensation for your injuries so that you can get on the road to recovery. We’re prepared to take your case to court if necessary.

Our firm operates on a contingency fee basis. That means that you don’t owe a thing if we don’t win your case.

FAQs

Is CT a No-Fault State for Car Accidents?

Connecticut does not use a no-fault system. Instead, drivers must pursue compensation through the at-fault driver’s insurance. In order to receive damages, you must prove the other driver’s negligence. This could be proof that they were speeding, texting, or failing to yield, for example. Because fault controls the outcome of a case, insurers investigate each situation carefully and often try to dispute claims.

Am I at Fault if I Hit a Car in Front of Me Because He Slammed on His Brakes Very Suddenly?

Rear-end collisions usually place fault on the trailing driver. However, there are exceptions to every rule. If the driver braked suddenly without any reason or their brake lights did not work, they may share the fault. Evidence can include dashcam footage, witness statements, and damage patterns. The following driver is responsible for maintaining a safe distance from the other vehicle in case of sudden or unpredictable braking.

Whose Insurance Do You Call if You’re Not at Fault?

If you’re not at fault in an accident, you should contact the at-fault driver’s insurance company to start a liability claim. However, you should also notify your own insurer promptly so they’re aware. Your insurer can help you with rental cars, repairs, and medical payments. If the other driver is uninsured, you may need to file your own insurance. The Insurance Information Institute reported that 11.8% of Connecticut residents were without car insurance in 2023.

How Long Do You Have to Report a Car Accident in CT?

Connecticut drivers must report a car accident to law enforcement within five business days if the accident caused injury or property damage over $1,000. Insurance companies generally want accidents reported sooner than this. Failing to report can lead to complications with insurance claims or potential penalties. Even if the accident seems minor, documenting it early can protect your ability to recover damages.

Hire a Car Accident Lawyer

From April 2022 through October 2025, there have been over 365 traffic accidents in Connecticut. If you’re involved in an automobile accident in the state, you need an experienced attorney who can help you understand Connecticut car accident laws and how to better support your case.

Contact Loughlin FitzGerald, P.C., today to schedule a consultation and let us help you get the compensation you deserve to get on the road to recovery.

Connecticut Car Accident Resources: