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You may be entitled to damages for the harm and losses you have suffered in a car accident, but recovering them won’t be as simple as filing out a form. Various factors play a role in how much compensation you might receive, and understanding how everything works can help you navigate the claims process with confidence while protecting your rights.
If you or a loved one was involved in a recent crash, here’s what you need to know about car accident claims in Connecticut.
Connecticut is a fault-based state
The person who caused the crash is generally responsible for paying the ensuing damages. As such, you can file a claim with the at-fault driver’s insurance company or in court if necessary. You may also file a claim with your own insurer under certain circumstances, depending on your policy coverage and the circumstances of the crash.
Modified comparative negligence rules apply
Your compensation can be reduced if you share blame for the accident. For example, if you’re found to be 20% at fault, your settlement will be reduced by 20%. However, you can’t recover anything with a car accident claim if you’re more than 50% at fault. It’s worth noting that insurance companies may try to shift more blame onto you to minimize their payout, so it’s important to stay cautious.
Deadlines matter
You’ll likely have two years from the date of the accident to take your claim to court. If you don’t file a claim or resolve the matter within this timeframe, you may lose your right to seek compensation, no matter how strong your case is. Besides preserving your legal rights, acting promptly also allows you to gather evidence to build a strong case while the details are still fresh and easily accessible.
Don’t navigate the process alone
There’s a lot that happens between filing a car accident claim and reaching a resolution. You’ll need to negotiate with insurance adjusters, present supporting evidence and justify the damages you claim. It can all be so overwhelming. Having legal guidance can help you navigate the process more effectively, protect your rights and prevent any missteps that could undermine your claim.
