Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a licensed attorney in Connecticut for advice specific to your situation.
Detailed Answer
1. Immediate Steps and Insurance Notice (0–30 Days)
After an accident, notify your insurer as soon as possible. Under Conn. Gen. Stat. § 38a-371, you generally have 30 days to report the crash and request Personal Injury Protection (PIP) benefits. The insurer must acknowledge your claim within 30 days and begin processing medical payments.
2. Medical Treatment and Documentation (1–6 Months)
You will undergo evaluations and treatment for your injuries. The duration depends on injury severity. Maintain detailed records of all medical appointments, therapies and related expenses. Proper documentation strengthens your position during negotiations.
3. Demand and Pre-Suit Negotiation (3–9 Months)
Once your condition stabilizes or you reach maximum medical improvement, your attorney typically prepares a settlement demand. Insurers often review and respond within 30–60 days. Negotiations may span several rounds and can last from a few months to nearly a year, depending on injury complexity and liability disputes.
4. Filing a Lawsuit (Up to 2 Years)
If negotiations stall, you must file suit before the statute of limitations expires. Under Conn. Gen. Stat. § 52-584, you generally have two years from the accident date to initiate a personal injury lawsuit. Filing opens the formal court process.
5. Discovery and Motion Practice (6–18 Months)
After filing, both sides exchange evidence through written questions, document requests and depositions. Parties may file motions to resolve legal issues before trial. This phase often takes 6–12 months, but complex cases can extend longer.
6. Trial, Verdict and Appeals (1–3 Years)
If the case proceeds to trial, court schedules can add 6–12 months. A verdict then issues, and either party may file post-trial motions or appeal, potentially adding another year or more. Most auto injury claims, however, settle before trial.
Overall, a Connecticut auto accident injury claim can resolve anywhere from six months (for minor injuries) up to two or three years (for serious cases or disputed liability).
Helpful Hints
- Notify your insurer promptly, ideally within 24 hours.
- Attend all medical appointments and keep copies of bills and reports.
- Organize a file for all accident-related documents, including photos and correspondence.
- Be realistic: serious injuries and contested liability extend timelines.
- Consult an attorney before sending settlement demands.
- Track all court deadlines, especially the two-year filing deadline under Conn. Gen. Stat. § 52-584.
- Consider mediation or arbitration to speed up resolution.