Connecticut Car Accident Claims
Legal Options After a Car Accident in Connecticut In Connecticut, after a car accident, injured individuals can file an insurance claim with the at-fault driver's insurer or pursue a personal injury lawsuit in court. Connecticut follows modified comparative negligence with a 51% bar under Conn. Gen. Stat. §52-572h - you can recover reduced damages as long as you are not more than 50% at fault; at exactly 50% you can still recover, but at 51% or more recovery is barred. Victims can seek damages for medical bills, lost wages, property damage, and pain and suffering. The statute of limitations for most personal injury claims is two years from the date of the accident, so timely action is critical.
Quick Facts
- Statute: 2 years from the date of the accident.
- Fault Rule: Modified comparative negligence (51% bar - Conn. Gen. Stat. §52-572h).
- Minimum Coverage: $25,000 per person / $50,000 per accident / $25,000 property damage.
Key Facts for Connecticut Accident Claims
Statute of Limitations
2 years from the date of the accident.
Personal injury claims
Fault System
Modified comparative negligence (51% bar - Conn. Gen. Stat. §52-572h).
Comparative fault rules
Min. Liability Coverage
$25,000 per person / $50,000 per accident / $25,000 property damage.
State minimums
Uninsured Motorist
Must be offered unless rejected in writing.
Coverage status
Statute of Limitations in Connecticut
Connecticut requires that personal injury lawsuits arising from car accidents be filed within two years of the crash. Filing after this period will likely result in dismissal of the claim. The statute of limitations ensures that evidence is timely and reliable. Acting promptly also helps preserve witness accounts and documentation, increasing the likelihood of a successful claim.
Connecticut's Fault System
Connecticut follows modified comparative negligence with a 51% bar under Conn. Gen. Stat. §52-572h. You can recover reduced damages as long as you are not more than 50% at fault; a plaintiff found exactly 50% at fault can still recover with damages reduced by that share, but at 51% or more recovery is barred entirely. This system balances accountability and fairness, but insurance companies may attempt to assign higher fault percentages to minimize payouts. Accurate evidence, including police reports and witness statements, is crucial in proving the other party's liability.
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Insurance Requirements
Connecticut drivers must carry minimum liability insurance of 25/50/25. This includes $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. Liability coverage pays for injuries and damage you cause to others. Insurers must also offer uninsured motorist coverage unless you reject it in writing. Maintaining UM coverage is important, as it protects you if the at-fault driver lacks adequate insurance or coverage limits.
Crash Data for Connecticut
Connecticut's yearly large-truck crash deaths are too few to break out reliably by state, so the national NHTSA FARS 2024 dataset stands in: it shows 85.3% of large-truck crash fatalities fell on people outside the commercial vehicle, reinforcing how much risk shifts onto other road users (Cash4Crashes analysis of NHTSA FARS 2024).
1% of Connecticut's 64 pedestrian crash deaths in 2024 occurred where there was no marked crosswalk, with 34 victims killed at mid-block or otherwise unprotected locations (Cash4Crashes analysis of NHTSA FARS 2024).
Related research: Truck crash victims study · Pedestrian crossings study.
Frequently Asked Questions
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