What is a car accident claim worth in Connecticut?
Every rule below is quoted from Connecticut law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Connecticut, and the Connecticut rules that raise or lower what you collect. $32,362 was the average injury claim paid in Connecticut in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Connecticut law on this site, each with a link.
What claims paid in Connecticut
Injury claims in Connecticut averaged $32,362 each in 2022.
Car and property damage claims averaged $6,530.
| Injury claim paid by the at fault driver's insurance | $32,362 |
|---|---|
| Car and property damage | $6,530 |
| Personal injury protection, paid by your own policy | $8,441 |
| Medical payments coverage, paid by your own policy | $3,700 |
| Collision coverage, paid by your own policy | $7,285 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Connecticut
If you were partly at fault
Connecticut uses modified comparative negligence with a 51 percent bar. You can recover damages if your share of fault is 50 percent or less. If your fault is greater than the combined fault of the people you are suing, you cannot recover anything.
“if the negligence was not greater than the combined negligence of the person or persons against whom recovery is sought”
The other driver's policy limit is the ceiling
Connecticut drivers must carry at least $25,000 in bodily injury liability coverage per person, $50,000 per accident, and $25,000 in property damage liability coverage per accident.
“Minimum of $25,000 per person for bodily injury and liability Minimum of $50,000 per accident for bodily injury and liability Minimum of $25,000 per accident for property damage liability is”
If the other driver has no insurance
Connecticut requires every auto liability policy to include uninsured and underinsured motorist coverage equal to your liability limits, unless you ask in writing for a lower amount (never below the state minimum).
“shall provide uninsured and underinsured motorist coverage with limits for bodily injury and death equal to those purchased ... unless any named insured requests in writing a lesser amount”
The deadline that ends the claim
You generally have two years from the date you discovered or reasonably should have discovered your injury to sue, but never more than three years from the date of the crash.
“shall be brought but within two years from the date when the injury is first sustained or discovered more than three years from the date of the act or omission”
What a lawyer takes if you hire one
Connecticut caps injury and property damage lawyer contingency fees on a sliding scale: 33 and one third percent of the first $300,000 recovered, 25 percent of the next $300,000, 20 percent of the next $300,000, 15 percent of the next $300,000, and 10 percent of anything over $1.2 million. A client can waive this cap in writing for an unusually complex case.
“Thirty-three and one-third per cent of the first three hundred thousand dollars; twenty-five per cent of the next three hundred thousand dollars”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.