CT vs. MA – Key Differences Every Driver Should Know

If you’re injured in a car accident in New England, where the crash happened matters—a lot. Connecticut and Massachusetts follow different auto accident laws when it comes to fault, insurance, lawsuits, and compensation. These differences can significantly affect how much you can recover, how fast your case moves, and whether you can sue at all.

At Jonathan Perkins Injury Lawyers, we handle auto accident claims throughout both states, representing injured drivers and passengers from Bridgeport, Hartford, and New Haven to Western Massachusetts communities like Springfield and beyond. Below is a clear, side-by-side breakdown of the most important legal differences you need to know after a crash.

1. Fault System: Who Pays After an Accident?

Connecticut: At-Fault State

Connecticut follows a traditional at-fault system, meaning:

• The driver who caused the accident is responsible for damages

• Injured victims can file a claim against the at-fault driver’s insurance

• Lawsuits are allowed immediately for injury claims

This system applies to crashes throughout Connecticut, including high-traffic areas like Bridgeport, Waterbury, and Hartford.

Massachusetts: No-Fault State

Massachusetts uses a no-fault insurance system, which means:

• Your own insurance (PIP) pays initial medical bills and lost wages

• Lawsuits are limited unless injuries meet a legal threshold

• Claims start with Personal Injury Protection (PIP), regardless of fault

This distinction is critical in Massachusetts crashes, including those we handle out of our Springfield office.

2. Medical Bills & PIP Coverage

Connecticut

• No mandatory PIP coverage

• Medical bills are typically paid by the at-fault driver’s liability insurance

• Health insurance may play a role early on

Massachusetts

• Mandatory PIP coverage up to $8,000

• PIP pays:

  • Medical expenses

  • A portion of lost wages

• Health insurance may step in after PIP limits are reached

Understanding how PIP interacts with injury claims is one of the most common issues we see in Massachusetts auto accident cases.

3. When Can You Sue the At-Fault Driver?

Connecticut

You can file a lawsuit immediately if another driver’s negligence caused your injuries—there is no injury threshold.

Massachusetts

You may only sue the at-fault driver if:

• Medical expenses exceed $2,000, or

• You suffered a serious injury (fracture, permanent disfigurement, loss of a body function, or death)

This threshold often becomes a battleground in Massachusetts cases.

4. Comparative Negligence Rules

Connecticut: Modified Comparative Negligence (51% Rule)

• You can recover compensation if you are 50% or less at fault

• Your recovery is reduced by your percentage of fault

Massachusetts: Modified Comparative Negligence (51% Rule)

• Nearly identical rule

• You are barred from recovery if you are more than 50% at fault

While similar on paper, insurers apply these rules very differently depending on the state.

5. Minimum Auto Insurance Requirements

Connecticut Minimum Coverage

• $25,000 bodily injury per person

• $50,000 bodily injury per accident

• $25,000 property damage

Massachusetts Minimum Coverage

• $25,000 bodily injury per person

• $50,000 bodily injury per accident

• $5,000 property damage

• Mandatory PIP coverage

Lower minimums often mean coverage disputes and UM/UIM claims, especially in serious injury cases.

6. Uninsured & Underinsured Motorist Coverage

Both Connecticut and Massachusetts require UM/UIM coverage, but:

• Policy structures differ

• Offset rules vary

• Claim handling strategies differ significantly

We frequently pursue UM/UIM claims for injured clients throughout Connecticut and Massachusetts when insurance coverage is inadequate.

7. Statute of Limitations (Time Limits to File a Claim)

• Connecticut: 2 years from the date of the accident

• Massachusetts: 3 years from the date of the accident

Missing these deadlines can permanently bar your claim—no matter how strong it is.

Why These Differences Matter After a Crash

Drivers frequently cross state lines in New England. A crash involving a Connecticut driver in Massachusetts—or vice versa—can raise complex jurisdictional and insurance issues, including:

• Which state’s law applies

• Which insurance policy pays first

• Where a lawsuit must be filed

Our attorneys regularly navigate these cross-border issues for clients injured throughout CT and MA.

How Jonathan Perkins Injury Lawyers Can Help

At Jonathan Perkins Injury Lawyers, we understand the legal and insurance differences between Connecticut and Massachusetts auto accident cases. From our offices serving Bridgeport, Hartford, Waterbury, New Haven, New London, and Springfield, we provide:

• State-specific legal strategies

• Aggressive insurance negotiations

• Trial-ready litigation when necessary

• No fee unless we win

Whether your crash occurred in Connecticut or Massachusetts, we know how to maximize your recovery under the correct state law.

Speak With a Connecticut or Massachusetts Auto Accident Lawyer Today

If you’ve been injured in a car accident and aren’t sure which state’s laws apply, getting the right legal guidance early can make all the difference.

📞 Call 800-PERKINS (800-737-5467) or schedule your Free Case Evaluation today.
No Win. No Fee. Available 24/7 across Connecticut and Massachusetts.