Connecticut law follows a principle known as the "3rd party liability doctrine" as far as car accidents are concerned. This means that when one driver is at fault for causing or failing to prevent an auto accident, they are held liable for any damages that occur. This means that the at-fault driver may be responsible for the victim's:
Medical attention
Out-of-pocket expenses for vehicle repairs
Property damage incurred
Cost of travel
Permanent or long-term medical devices
Pain & suffering
As a crash victim, it is necessary to determine who or what caused the accident before you can file an insurance claim. The at-fault party in your case could be the other driver, his or her employer, a vehicle part manufacturer, the government, or other parties. Then, you or your attorney will need to prove that the party is at fault for the crash before an insurance company will accept the claim and grant you insurance benefits.