What does "no-fault" insurance allow policyholders to do in Connecticut?

In Connecticut, "no-fault" insurance allows policyholders to receive benefits for medical expenses and certain other costs related to an automobile accident without regard to who was at fault for the accident. This system is designed to streamline the process of obtaining compensation and reduce the need for litigation. By allowing individuals to claim benefits directly from their own insurance coverage, it addresses immediate medical and rehabilitation needs more efficiently.

This means that even if the policyholder was the cause of the accident or contributed to it in any way, they can still recover certain benefits under their own policy. It shifts the focus from determining fault to ensuring that victims receive prompt assistance.

The other choices do not accurately reflect the principles of no-fault insurance. Filing lawsuits related to the accident typically requires proving fault, and benefits under a no-fault system are based on the insurance provided rather than necessitating fault to recover losses. Additionally, while deductibles are part of many insurance policies, no-fault insurance does not inherently eliminate them.