What to Do After a Car Accident in Connecticut (Insurance Edition)

A car accident can happen in seconds, but the aftermath can feel like a whirlwind of confusion and stress. Between ensuring everyone is safe, complying with Connecticut laws, and dealing with insurance, it’s easy to feel overwhelmed.

The good news? If you follow the right steps, you can protect your safety, your rights, and your insurance claim. This guide walks you through exactly what to do after a car accident in Connecticut, with insider tips from the insurance side so you don’t miss anything important.

Step 1 – Make Sure Everyone Is Safe

Your first priority is safety—yours, your passengers’, and others involved.

• Check yourself and others for injuries.

• If it’s safe, move vehicles to the side of the road to prevent further accidents.

• Turn on hazard lights.

• If anyone is hurt, call 911 immediately and follow the dispatcher's instructions until help arrives.

Step 2 – Call the Police (Even for Minor Accidents)

Under Connecticut law, you must report an accident to police if:

• Someone is injured or killed, or

• Property damage appears to be $1,000 or more.

Even for smaller fender benders, a police report can protect you if there’s a dispute later. Officers will document details, which can make your insurance claim process smoother.

Step 3 – Document the Scene Thoroughly

Before anything is moved (if safe to do so):

• Take clear photos of all vehicle damage, license plates, and the surrounding area.

• Snapshots of road conditions, skid marks, traffic signs, or anything that may have contributed to the accident.

• Write down the date, time, and location.

• If there are witnesses, get their contact details and a brief statement.

Step 4 – Exchange Information With the Other Driver

Connecticut law requires drivers to share:

• Full name and contact information

• Insurance company name and policy number

• Driver’s license number

• Vehicle registration and plate number

Pro Tip: Stay calm and stick to exchanging details—don’t admit fault or speculate about what happened.

Step 5 – Notify Your Insurance Company Promptly

Call your insurance provider as soon as possible, ideally while details are fresh. Have ready:

• Your policy number

• The other driver’s details

• Photos and police report number (if available)

Why it matters: Most insurance policies have strict deadlines for reporting accidents. Missing these could jeopardize your claim.

Step 6 – Seek Medical Attention

Even if you feel fine, get checked by a doctor. Some injuries—like whiplash or concussions—can appear hours or days later. Medical documentation is also crucial if you need to file an injury claim.

Step 7 – Keep All Records and Receipts

Save every document related to the accident, including:

• Tow truck invoices

• Repair estimates and receipts

• Rental car costs

• Medical bills

These records support reimbursement claims and help your insurer process payments faster.

Connecticut Car Accident Insurance Basics

Here’s what state law requires every driver to carry at a minimum:

• $25,000 bodily injury coverage per person

• $50,000 bodily injury coverage per accident

• $25,000 property damage coverage

Connecticut also requires uninsured/underinsured motorist coverage, which protects you if the other driver has little or no insurance.

Common Insurance Mistakes to Avoid After an Accident

• Admitting fault before an investigation is complete.

• Delaying medical care, which can weaken injury claims.

• Accepting a quick settlement without fully understanding repair or medical costs.

How an Insurance Broker Can Help You After an Accident

Working with an independent broker like Insure Connecticut LLC means you’re not alone when navigating post-accident challenges. We can:

• Explain exactly what your coverage includes

• Assist in filing and tracking your claim

• Shop for competitive replacement coverage if needed

Helpful Connecticut Resources

• CT DMV Accident Reporting Information

• Local Police Department Contact List (varies by city)

• CT Insurance Department – Consumer Resources

Final Thoughts

A car accident is stressful, but knowing what to do can make all the difference in protecting your rights and your wallet. By following these steps, you can handle the situation confidently—and ensure your insurance works the way it should.

Need help reviewing your coverage or navigating a claim?

📞 Call Insure Connecticut LLC today for expert, local insurance guidance that puts your needs first.

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FAQ – Car Accidents in Connecticut

1. How long do I have to report an accident in Connecticut?

You should report immediately to the police if required and to your insurer as soon as possible—ideally, the same day.

2. Will my insurance rates go up after a minor accident?

It depends on your insurer, claim history, and fault determination.

3. What happens if the other driver is uninsured?

Your uninsured motorist coverage will help cover your damages and injuries.

4. Can I choose my own repair shop?

Yes, Connecticut drivers can select their preferred licensed repair shop.