No. Your legal fees are paid on a contingency fee basis unless otherwise specified. That means that we are not paid unless we recover compensation for you.

Once it is safe to do so, you should attempt to document the entire situation by taking photographs and careful notes. Having notes to remind you of all the details of what happened, and what you went through, is far easier and far more accurate than relying on your memory.

Write things down as soon as you can: begin with what you were doing and where you were going, the people you were with, the time and the weather. Include every detail of what you saw, heard and felt. Be sure to add anything you remember hearing anyone — a person involved in the accident or a witness — say about the accident.

Finally, make daily notes of the effects of your injuries. You may suffer pain, discomfort, anxiety, loss of sleep or other problems you are experiencing. These notes can be very useful two or six or ten months later, when you put together all the important facts into a final demand for compensation.

*For more information on your rights and responsibilities after an accident, see: Motor Vehicle Rights and Responsibilities.

Figuring out who is at fault in a traffic accident is a matter of deciding who was careless. For vehicle accidents, there is a set of official written rules telling people how they are supposed to drive and providing guidelines by which liability may be measured. These rules of the road are the traffic laws everyone must follow.

Sometimes a violation of one of these traffic rules is obvious and was clearly the cause of an accident — for example, when one driver runs a stop sign and crashes into another. In other situations, whether or not there was a violation will be less obvious. A common example is a crash that occurs when drivers merge into a single lane of traffic.

Sometimes, the ultimate determination of who should be responsible is left up to the fact finder or jury.

Ideally, the at-fault party’s insurance company will pay for repairing your vehicle. Sometimes, liability is not accepted, however, and it is easier and quicker to pursue a damage claim under your own insurance coverage.

Yes. In Connecticut, you are entitled to Loss of Use, which includes either a rental vehicle or the value of a comparable rental vehicle. For more on your rights, see Motor Vehicle Rights and Responsibilities.

You can pursue an uninsured or underinsured motorist (“UM” or “UIM”) claim under your own auto insurance policy. This insurance coverage applies if you have been hit by an uninsured driver or where the coverage of the at-fault driver is insufficient to pay for your damages. “UM” and “UIM” coverage is mandated by law. You should consult with an attorney before filing a claim.

The accident was my fault-

When you caused the accident, you are responsible for repairing your own vehicle and the other vehicle that you damaged.  Assuming you are insured, your company will pay for the damages to the other vehicle up to your policy limits. If you have “collision coverage” under your policy, you will also be covered for repairs to your vehicle up to the amount of your coverage.  You will likely have a deductible of $500 or $1,000.  You should not have to pay more than your deductible if you have full collision coverage. When you caused the accident, your right to a rental car is subject to the terms of your insurance policy.  If you purchased rental reimbursement coverage, you will be covered for a rental car.  Most insurers can set up direct billing with the rental car company.  Check with your insurance company or insurance agent regarding your coverage. 

The accident was not my fault-

If someone else caused the accident, that person’s insurance company (if the other person is insured) should pay for the cost of repairs.  You should not have to pay for anything.  You are entitled to take the vehicle to a repair shop of your choice for repairs.  If you were injured, you should consult with an attorney before communicating with the at-fault driver’s insurance company about repairs. If the other person was not insured but was at fault, you should use your own insurance.  Your company will later undertake efforts to get its money back through a process known as subrogation.

The insurance company is required to use at least the average of the retail values according to the NADA Used Car Guide (www.nadaguides.com) and one other automobile industry source approved by the Insurance Commissioner. The insurance company must give you a copy of the information relied upon in determining the value of your car. It is not uncommon for insurance companies to underestimate the value of your car or the damages sustained to a repairable car.  Don’t hesitate to get an explanation for the method used to calculate the value of your vehicle.  If you continue to have any concerns, contact an attorney.

When the cost of repairing your vehicle exceeds its value, or, depending on your policy, the repair cost will exceed 80% of your vehicle’s value, your vehicle will be deemed a “Total Loss”. Insurance companies have the authority to declare a vehicle a “total loss”, but they are subject to regulation by the Insurance Department. Under Connecticut law, a vehicle may be declared a “constructive total loss” when the cost to repair or salvage the damaged property, or the cost to both repair and salvage such property, equals or exceeds the total value of the property at the time of loss.  In such a case, the car will be deemed a total loss.

No. When the vehicle is done, make sure that a licensed repairer tells you that your vehicle is safe and roadworthy.

“OEM” parts are new parts made by the original manufacturer of your vehicle. “Aftermarket” parts are new parts that are not manufactured by the Original Equipment Manufacturer. “Recycled” parts, sometimes referred to as salvage, reconditioned or used parts, are frequently obtained from auto recyclers or junkyards and can be either OEM or non-OEM parts. “Recycled” or “Non-OEM” parts may be used for repair work, but you should be notified of that fact in the repair estimate. Independent repairers often argue against the use of certain recycled and aftermarket parts on the grounds that they are not as dependable or safe as OEM parts.  Make sure to talk to your repairer about whether recycled or aftermarket parts are being used and how they could affect the safety of your repair.

If someone else was at fault, you are also entitled to compensation for the loss of use of your property.  That means either: The use of a comparable rental vehicle (i.e. a full-size truck if you were driving a full-size truck); or Reasonable compensation for the loss of the use of your vehicle if you do not get a rental.  Generally, “reasonable compensation” means the amount you would have had to spend on a rental car for the period of time necessary to settle your claim or repair your vehicle.

Tip: Insurance companies are generally eager to cut claim costs whenever possible.  This is why you may be pressured to take your car to the insurance company's direct repair shop.  Don’t let the insurance company steer you away from an independent repair shop. 

After your insurance company pays for your repairs, it will likely seek reimbursement through a process known as “subrogation”.  In a subrogation claim, the insurance company essentially steps into your shoes and brings a claim against the other driver in an effort to get its money back.  If successful, your insurance company will be reimbursed and you should also be reimbursed for your deductible. In some accidents, fault is uncertain.  In other words, both parties may share in the responsibility.  Thus, it may be found that one party is 80% responsible and the other is 20% responsible.  If this happens, damages will be apportioned accordingly. If you paid for your own damages and rental car because you had no collision coverage, you may wish to bring a claim against the at fault party for reimbursement.  For more information on this process, consult with an attorney.  

There is no hard and fast rule regarding premium calculations.  In general, if you cause your insurance company to make payment on your behalf because of an accident you were responsible for causing, there is a chance your rates will go up. If, on the other hand, your insurance company has to pay you on your policy because of the other party’s negligence (i.e. Med-Pay claim or UM/UIM), your rates will not likely go up. For specific guidance regarding your policy, contact your insurance agent or representative. 

As soon as practical, you should call your insurance company and report the accident.  You should do this regardless of who was at fault. An agent will likely ask you about what happened, damages to the vehicles and personal injuries. As part of your insurance contract, you have a duty to cooperate with your insurance company.  If you do not cooperate with the reasonable demands of your insurance company, you risk denial of coverage. You have no duty or obligation, however, to speak to the other driver’s insurance company. The other party’s insurance agent may ask you to give a recorded statement.  You should not agree to do this without first speaking to an attorney.