{"id":372068,"date":"2016-11-15T15:19:58","date_gmt":"2016-11-15T20:19:58","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/connecticut-law\/connecticut-car-accident-settlement-process-and-timeline.html"},"modified":"2025-01-06T15:20:00","modified_gmt":"2025-01-06T20:20:00","slug":"connecticut-car-accident-settlement-process-and-timeline","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/connecticut-law\/connecticut-car-accident-settlement-process-and-timeline.html","title":{"rendered":"Connecticut Car Accident Settlement Process and Timeline"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-8f761849 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Connecticut Car Accident Settlement Process and Timeline<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/christie-nicholson-j-d\/\">Christie Nicholson, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/amber-sheppard-esq\/\">Amber Sheppard, Esq.<\/a>\n                | Last updated\n        <time>\n                            January 06, 2025\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>If you are the victim of an auto accident, you must know how to file your car accident claim. If the collision occurred in Connecticut, you should understand how the Connecticut car accident settlement process works.<\/p>\r\n<p>This article explains several aspects of the car accident settlement process and timeline for the state of Connecticut. You will learn:<\/p>\r\n<ul>\r\n<li>Whether you must file a crash report in Connecticut<\/li>\r\n<li>Connecticut\u2019s insurance laws<\/li>\r\n<li>How the settlement process works<\/li>\r\n<li>What your car accident attorney will do to negotiate a fair settlement<\/li>\r\n<\/ul>\r\n<h2><b>Do I Need To Report a Car Accident in Connecticut?<\/b><\/h2>\r\n<p>Connecticut law requires drivers to <a href=\"https:\/\/www.findlaw.com\/state\/connecticut-law\/connecticut-car-accident-compensation-laws.html\">report a car accident within five days of the crash<\/a> if there is more than $1,000 in property damage. Since it\u2019s nearly impossible to determine the extent of property damage at the accident scene, it makes sense to err on the side of caution.<\/p>\r\n<p>Whether you suffer a personal injury or property damage, it\u2019s best to submit an auto accident report. You must do this using the <a href=\"https:\/\/portal.ct.gov\/-\/media\/das\/fleet-operations\/vehicle-accident-form.pdf?la=en\" target=\"_blank\" rel=\"noopener\">required state form<\/a>.<\/p>\r\n<h2><b>Connecticut Car Insurance Laws<\/b><\/h2>\r\n<p>Connecticut law also requires drivers to carry car insurance. Connecticut is an <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/fault-and-liability-for-motor-vehicle-accidents.html\">at-fault state<\/a>. This means the at-fault driver is responsible for any injuries and property damage caused by the crash.<\/p>\r\n<p>After your Connecticut car accident, you\u2019ll submit your insurance claim to the at-fault driver\u2019s carrier. Their insurance company will assign an adjuster to review your claim. They\u2019ll either:<\/p>\r\n<ul>\r\n<li>Pay your claim without issue<\/li>\r\n<li>Pay your claim in part<\/li>\r\n<li>Deny your claim<\/li>\r\n<\/ul>\r\n<p>Once the claims process is over, the insurance adjuster will let you know the outcome.<\/p>\r\n<p>Ideally, the at-fault party\u2019s insurance policy will cover your damages. The State of Connecticut dictates that all motorists carry a specific level of auto insurance coverage. These <a href=\"https:\/\/cga.ct.gov\/2023\/rpt\/pdf\/2023-R-0090.pdf\" target=\"_blank\" rel=\"noopener\">mandatory minimum insurance requirements<\/a> are as follows:<\/p>\r\n<ul>\r\n<li>$25,000 per person\/$50,000 per accident in bodily injury liability<\/li>\r\n<li>$25,000 property damage coverage<\/li>\r\n<\/ul>\r\n<p>Connecticut also mandates that drivers carry <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/do-i-need-underinsured-motorist-coverage.html\">uninsured\/underinsured motorist insurance<\/a>. The coverage limits for this type of insurance are as follows:<\/p>\r\n<ul>\r\n<li><p>$25,000 per person\/$50,000 per accident<\/p>\r\n<\/li>\r\n<\/ul>\r\n<p>Even with these minimum thresholds, there\u2019s a chance your damages will exceed the driver\u2019s insurance policy limits. If this is the case, your <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/connecticut\/\" target=\"_blank\" rel=\"noopener\">car accident lawyer<\/a> must sue the other driver personally.<\/p>\r\n<p>The damages your personal injury lawyer demands in your car accident lawsuit will depend on the nature and extent of your injuries. It will also depend on how much the insurance company pays.<\/p>\r\n<h2><b>How Do Car Accident Settlements Work in Connecticut?<\/b><\/h2>\r\n<p>It\u2019s rare for a car accident case to go to trial. There are several reasons for this:<\/p>\r\n<ul>\r\n<li>There\u2019s a chance you\u2019ll lose at trial and receive nothing<\/li>\r\n<li>Trials are expensive and time-consuming<\/li>\r\n<li>It could take years for you to receive any money<\/li>\r\n<li>The court will reduce your damages if you\u2019re partially at fault<\/li>\r\n<\/ul>\r\n<p>The insurance company also has an incentive to settle your personal injury case. They\u2019ll have to pay the full demand if they lose at trial. They\u2019ll also have to pay thousands of dollars in costs and fees if they decide to take the case to trial.<\/p>\r\n<p>Accepting a settlement means you\u2019ll get a <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/structured-settlements-pro-s-and-cons.html\">lump-sum payment.<\/a> It also means you\u2019ll receive fair compensation for your car accident injuries. Your personal injury attorney will engage in settlement negotiations with the defendant\u2019s insurance company. They\u2019ll go back and forth until they agree on a number.<\/p>\r\n<h2><b>How Long Will Your Car Accident Settlement Take?<\/b><\/h2>\r\n<p>One of the first questions new clients ask their <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/reasons-to-hire-an-experienced-personal-injury-attorney.html\">personal injury law attorney<\/a> is how long it will take to settle their case. There is no way to answer this question because every case is different. No experienced car accident attorney will promise you that they\u2019ll settle your case by a specific date. Nor will they guarantee you a certain amount of money.<\/p>\r\n<p>The settlement timeframe depends on several factors, including:<\/p>\r\n<ul>\r\n<li>Whether the insurance company cooperates in settlement negotiations<\/li>\r\n<li>Whether you suffered severe injuries<\/li>\r\n<li>If you need long-term physical therapy<\/li>\r\n<li>If there are strong witness statements regarding who was at fault<\/li>\r\n<li>Whether you\u2019ll need future medical care<\/li>\r\n<li>How long it takes your attorney to gather evidence<\/li>\r\n<\/ul>\r\n<p>When you meet with your attorney for your initial case evaluation, they may give you an estimate of how much your case is worth. They\u2019ll also explain the settlement process and how long it typically takes to settle a <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/personal-injury-law-the-basics.html\">car accident case<\/a>.<\/p>\r\n<h2><b>What is the Average Car Accident Settlement in Connecticut?<\/b><\/h2>\r\n<p>There is no way to tell you exactly what your case is worth without reviewing the individual facts of your case. For example, a fender bender causes less pain, anguish, and property damage than a drunk driving accident.<\/p>\r\n<p>When determining a fair settlement amount, you must consider:<\/p>\r\n<ul>\r\n<li>How much each party was at fault<\/li>\r\n<li>The available evidence<\/li>\r\n<li>Insurance coverage (insurance companies won\u2019t pay more than policy limits)<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/worksheet-damage-estimate.html\">Car repairs<\/a><\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/economic-recovery-for-accidents-and-injuries.html\">Medical bills <\/a>(for both past and future medical treatment)<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-accident-pain-and-suffering-damages.html\">Pain and suffering<\/a><\/li>\r\n<li>Lost wages from time away from work<\/li>\r\n<\/ul>\r\n<p>You must understand that the legal process takes time. If you settle your case, you won\u2019t receive your entire demand. Your final settlement amount will fall somewhere between your full demand and the insurance company\u2019s starting settlement offer.<\/p>\r\n<h2><b>How Long Do I Have To File a Car Accident Lawsuit in Connecticut?<\/b><\/h2>\r\n<p>Connecticut has a time limit (<a href=\"https:\/\/www.findlaw.com\/state\/connecticut-law\/connecticut-civil-statute-of-limitations-laws.html\">statute of limitations<\/a>) for filing a personal injury lawsuit. The injured party has <a href=\"https:\/\/codes.findlaw.com\/ct\/title-52-civil-actions\/ct-gen-st-sect-52-576\/\" target=\"_blank\" rel=\"noopener\">two years from the crash date<\/a> to file suit if negligence caused the accident. If the other driver intentionally tried to harm you, then you have <a href=\"https:\/\/codes.findlaw.com\/ct\/title-52-civil-actions\/ct-gen-st-sect-52-577\/\" target=\"_blank\" rel=\"noopener\">three years from the date of the crash<\/a>.<\/p>\r\n<p>If you don\u2019t file your case before the deadline, the court will dismiss your case. This means you\u2019ll lose your right to pursue damages.<\/p>\r\n<h2><b>Get Professional Help With Your Connecticut Car Accident Case<\/b><\/h2>\r\n<p>Settlement agreements are nearly always final and binding. Without the advice of an attorney, the insurance company may take advantage of you. They\u2019ll try to offer you a low settlement and demand you sign a settlement release. Never do this without a <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/connecticut\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">Connecticut car accident attorney<\/a> reviewing it first.<\/p>\r\n<p>Contact a skilled <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/connecticut\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">Connecticut car accident attorney<\/a> who can protect your interests and get you the compensation you deserve.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n          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class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    A lawyer can help seek fair compensation on your behalf\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Car accident claims are complex and insurance carriers have lawyers on their side\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Get tailored legal advice and ask a lawyer questions about your accident. Many attorneys offer free consultations.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/#USER_GEO\/?fli=esum\" title=\"Car Accident Attorney Directory\" target=\"_blank\" rel=\"noopener\">If you need an attorney, find one right now.<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n<div class=\"email-subscription fl-mb30\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img 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