Detailed Answer
Under Connecticut law, taking proactive steps can increase the likelihood that an insurance company accepts liability for injuries. The following steps outline the best practices you should follow:
- Seek Prompt Medical Care
Visit a qualified healthcare provider immediately after an accident. Early documentation of your injuries establishes a clear medical record. Medical records also serve as key evidence in demonstrating causation and severity. - Document the Accident Scene
Collect photographs of injuries, property damage, and the scene. Gather contact information from witnesses. Preserve any physical evidence, such as damaged clothing or objects from the scene. - Notify Your Insurer Promptly
Under Connecticut law, policyholders must give “prompt notice” of a claim. See Conn. Gen. Stat. §38a-321 (unfair settlement practices). Provide a written notice that includes date, time, and basic facts of the incident. - Cooperate Fully with the Investigation
Attend medical exams and interviews requested by the insurer. Supply relevant documents—police reports, medical records, and receipts. Failure to cooperate may lead to a claim denial under Conn. Gen. Stat. §38a-816 (timely claim payment or denial). - Keep Detailed Records
Create a file with all correspondence, claim forms, bills, and repair estimates. Note dates and times of phone calls and in-person meetings. Maintain copies of letters and emails sent and received. - Understand Your Deadlines
Connecticut sets a two-year statute of limitations for personal injury claims. See Conn. Gen. Stat. §52-584. Filing suit after this period will bar recovery, even if liability is clear.
If the insurer denies liability despite following these steps, you may file a complaint with the Connecticut Insurance Department at https://portal.ct.gov/CID or consult an attorney to explore litigation options.
Helpful Hints
- Always send notices via certified mail and keep the receipt.
- Ask for claim numbers and names of adjusters in writing.
- Review your insurance policy to understand coverages and exclusions.
- Maintain a daily journal of your symptoms and recovery progress.
- Get legal advice before signing any release or settlement offer.
Disclaimer: This content is for informational purposes only and does not constitute legal advice. Consult a qualified attorney for advice tailored to your situation.