Disclaimer: This article is for informational purposes only and does not constitute legal advice.
Detailed Answer
When an at-fault driver injures you in Connecticut, securing the insurer’s liability acknowledgment hinges on clear communication, thorough documentation, and compliance with key state requirements. Follow these steps to present a compelling claim:
1. Report the Accident Promptly
Connecticut law requires drivers to report any crash causing injury or significant property damage within 24 hours. Under Conn. Gen. Stat. § 14-112, you must file a DMV Accident Report if injuries occurred. This establishes an official record of what happened. See § 14-112.
2. Notify the Insurer in Writing
State law obligates an insured party to give prompt notice of a claim. Under Conn. Gen. Stat. § 38a-317, you or the at-fault driver must notify the insurer “as soon as practicable.” Send a certified letter to the insurer’s claims department. Include date, time, location, and a brief statement of injuries. See § 38a-317.
3. Gather and Preserve Evidence
Compile the police report, photographs of vehicle damage and injuries, witness names and contact information, and any video footage. A well-documented file gives the insurer little room to dispute fault.
4. Document Your Injuries and Expenses
Seek medical attention immediately. Keep all medical records, bills, prescription receipts, and physical therapy summaries. Record lost wages and out-of-pocket costs. This proof quantifies your damages.
5. Send a Demand Package
Once you reach maximum medical improvement, prepare a written demand. Include:
- A concise statement of facts and liability.
- Total medical expenses, lost income, and a pain-and-suffering estimate.
- Copies of medical records, bills, and repair estimates.
Cite the insurer’s obligation under Conn. Gen. Stat. § 38a-816 to investigate and settle in good faith. See § 38a-816.
6. Cooperate Fully
Return all requested forms, such as medical authorization and claim questionnaires. Prompt cooperation speeds the investigation and reduces disputes over liability.
7. Understand the Deadline to File Suit
If the insurer denies liability or fails to respond, you may file a lawsuit. Connecticut gives injured parties two years from the accident date to sue for personal injury. See Conn. Gen. Stat. § 52-584.
Helpful Hints
- Keep a daily journal of pain levels, activities, and limitations.
- Photograph injuries at regular intervals to track healing.
- Obtain written witness statements while memories remain fresh.
- Save all bills, receipts, and correspondence related to your claim.
- Avoid giving recorded statements without legal advice.
- Send correspondence via certified mail and keep copies.