Connecticut Car Accident Settlement Calculator
Get a rough estimate of what a Connecticut car-accident injury claim might be worth, based on your medical bills and losses. This is an estimate to understand the factors — not a prediction or an offer.
This is a rough estimate, not a prediction or an offer.
No tool can predict a settlement. This uses the common "multiplier method" to show the factors that drive value and a wide range — actual outcomes depend on the facts, the available insurance limits, the venue, and negotiation. Consult a Connecticut car-accident attorney about your case.
Enter your medical bills and losses to see an estimated range
The multiplier method (pain-and-suffering as a multiple of your medical bills) is a common starting point, not a guarantee. A real recovery is also capped by the available insurance (the at-fault driver's limits, or your own UM/UIM coverage). Most car-accident cases settle; an attorney is the only way to value your specific claim. This tool is not legal advice and RecordingLaw.com is not a law firm.
How the Estimate Works
No tool can predict a car-accident settlement — every case is different and the number depends on the facts, the available insurance, the venue, and negotiation. This calculator applies the multiplier method: it adds your economic damages (medical bills, lost wages, vehicle damage), then estimates pain and suffering as a multiple of your medical bills (about 1.5× for minor injuries up to 5× or more for catastrophic ones), and shows a wide range. It then applies Connecticut's fault rule and flags the insurance limits that cap a real payout.
Connecticut Is an at-fault (tort) state
Connecticut is a pure tort (at-fault) state. The driver who is legally at fault for a crash is responsible for the resulting bodily-injury and property damage. Connecticut WAS a no-fault state from the 1970s until the legislature repealed the no-fault / basic-reparations law via Public Act 93-297, effective January 1, 1994. It is NOT one of the traditional no-fault states. Since the repeal, accident victims seek compensation directly from the at-fault party (and that party's liability insurer) rather than first turning to their own PIP coverage.
Minimum Insurance & UM/UIM in Connecticut
A settlement is only collectible up to the available insurance. Connecticut's minimum required liability coverage is $25,000 per person / $50,000 per accident for bodily injury and $25,000 for property damage. Many drivers carry only the minimum, so a large claim can exceed the at-fault driver's policy. Minimum mandatory liability limits are 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident. These limits are set by CGS § 14-112(a) and incorporated into auto liability policies by CGS § 38a-335. The current 25/50/25 figures took effect January 1, 2018 (the prior minimum was 20/40/10). Proof of financial responsibility is required to register a vehicle.
Uninsured/underinsured motorist (UM/UIM): if the other driver had no insurance or fled the scene, your recovery comes from your own UM/UIM coverage. In Connecticut, UM/UIM is required to carry. Uninsured/underinsured motorist (UM/UIM) coverage is MANDATORY in Connecticut and cannot be rejected outright. Under CGS § 38a-336, every auto liability policy must include UM/UIM bodily-injury coverage at limits at least equal to the policy's liability limits, but not less than the statutory minimum of $25,000 per person / $50,000 per accident (CGS § 14-112(a)). Insureds may select limits between the statutory minimum and the policy's liability limits (a lesser amount requires a signed informed-consent form), and may buy optional add-on/conversion underinsured-motorist coverage (CGS § 38a-336a), but cannot waive UM/UIM entirely.
Fault & Your Recovery: modified comparative negligence (51% bar)
Connecticut follows modified comparative negligence (51% bar). Your award is reduced by your share of fault, and you recover nothing once you are 51% or more at fault.
Deadline to File a Connecticut Car-Accident Claim
Connecticut generally requires a car-accident injury lawsuit to be filed within 2 years of the crash (the statute of limitations). Two years for personal-injury negligence claims under CGS § 52-584, measured from the date the injury is first sustained or discovered (or should reasonably have been discovered). The same statute imposes an outer three-year statute of repose from the date of the act or omission. Two years is correct for auto-accident bodily-injury and property-damage negligence claims. (Wrongful-death actions run under CGS § 52-555: two years from death, capped at five years from the act.) Miss it and your claim is usually barred no matter how strong it is, so do not wait to talk to an attorney.
- Connecticut is an at-fault (tort) state. It repealed its no-fault auto-insurance system effective January 1, 1994 (Public Act 93-297), so there is no mandatory PIP and no no-fault threshold to clear before suing for pain and suffering.
- Minimum required liability coverage is 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage (CGS § 14-112(a); raised from 20/40/10 effective Jan. 1, 2018).
- Uninsured/underinsured motorist coverage is mandatory and cannot be waived; it must match your liability limits down to a minimum of 25/50 (CGS § 38a-336).
- Connecticut follows modified comparative negligence with a 51% bar (CGS § 52-572h): you can recover only if you are 50% or less at fault, and your damages are reduced by your percentage of fault.
- You generally have two years from the crash to file a personal-injury lawsuit, with a three-year outer limit from the negligent act (CGS § 52-584).
- Because there is no PIP, injured drivers recover medical bills and lost wages from the at-fault driver's liability insurer or from their own UM/UIM coverage if the other driver is uninsured or underinsured.
Frequently Asked Questions
How much is my Connecticut car accident claim worth?
No one can tell you a number in advance. A rough estimate adds your economic damages (medical bills, lost wages, vehicle damage) and applies a pain-and-suffering multiplier, then adjusts for fault under Connecticut's modified comparative negligence (51% bar) rule. The real value also depends on the available insurance limits — an attorney is the only way to value your specific case.
Is Connecticut a no-fault state?
Connecticut is a pure tort (at-fault) state. The driver who is legally at fault for a crash is responsible for the resulting bodily-injury and property damage. Connecticut WAS a no-fault state from the 1970s until the legislature repealed the no-fault / basic-reparations law via Public Act 93-297, effective January 1, 1994. It is NOT one of the traditional no-fault states. Since the repeal, accident victims seek compensation directly from the at-fault party (and that party's liability insurer) rather than first turning to their own PIP coverage.
Does my own fault reduce my Connecticut settlement?
Yes. Connecticut follows modified comparative negligence (51% bar). You recover nothing once you are 51% or more at fault.
How long do I have to file in Connecticut?
Generally 2 years from the crash. Two years for personal-injury negligence claims under CGS § 52-584, measured from the date the injury is first sustained or discovered (or should reasonably have been discovered). The same statute imposes an outer three-year statute of repose from the date of the act or omission. Two years is correct for auto-accident bodily-injury and property-damage negligence claims. (Wrongful-death actions run under CGS § 52-555: two years from death, capped at five years from the act.)
Is this calculator accurate?
It is a rough estimate to show the factors that drive value — not a prediction or an offer. Real settlements vary enormously and are capped by the available insurance. Treat any number here as a ballpark and consult a Connecticut car-accident attorney.
Disclaimer
This estimator is for general informational purposes only and is not legal advice or a prediction of any outcome. RecordingLaw.com is not a law firm. The value of a car-accident claim can only be assessed by a licensed attorney reviewing your specific facts.