Car accidents can cause severe damage to the human body and to property. Injuries could include broken bones, organ failure or even traumatic brain injury. The victim may not have the physical capacity to return to work, and they lose wages as a result. Their medical expenses quickly accumulate, costing them hundreds or thousands of dollars.
If you sustained critical injuries in a car accident and it was not your fault, you should try to recover compensation for the damages you incurred. Fortunately, you may hold the at-fault party accountable because Connecticut uses a fault-based system for car insurance.
What is a fault-based system?
In a fault-based system, the driver who caused the motor vehicular accident pays for the injuries and damages regardless of whether you were partially responsible for the car crash. You can retrieve compensation in the following ways:
- You can file a claim with the at-fault driver’s insurance company: If you file with the at-fault driver’s insurance company, you should understand the risks of dealing directly with insurance companies. They might refuse to pay the amount and claim you caused the accident. They can also pressure you into accepting a smaller initial offer. Never assume the insurance company is your ally. You are trying to obtain compensation for all the damages, while they want to give the least possible amount.
- You can file a lawsuit against the at-fault driver: If you decide to sue the at-fault driver, it is a personal injury lawsuit, and you have two years from the date of the accident to file the lawsuit. You might want to try filing a claim with the insurance company before initiating a lawsuit.
In both cases, you would need evidence to prove the other driver’s negligence or wrongful act caused the motor vehicle accident.
You deserve full compensation
Navigating through car accident claims can be challenging, especially when insurance companies have so much experience dealing with similar claims. You want to do whatever it takes to get the total compensation because you deserve it. Do not settle for less.