In Connecticut, injury claims with two drivers or two insurers involved often settle anywhere from $25,000 to $100,000+, and serious cases can be much higher.

What should have happened: right after the crash, both claims should have been opened, the police report from the New Haven Police Department or Connecticut State Police should have been pulled, and your medical records and lost wage proof should have been sent to every insurer involved. In a New Haven-area storm crash on I-95, I-91, or the Merritt Parkway, insurers often blame hydroplaning, debris, or the other driver to stall.

Connecticut is not a "one insurer pays everything" state. Under Connecticut comparative negligence law, fault can be divided among multiple drivers or companies. If one car carried only the state minimum 25/50/25 coverage, that may not be enough, so another driver's policy or your own underinsured motorist coverage may matter too.

What to do now: check the crash date first. For most Connecticut injury lawsuits, the deadline is usually 2 years from the injury, with an outside limit of 3 years from the crash. If that date has not passed, you may still have a claim even if adjusters have been dragging this out for months.

Gather these now:

• crash report
• claim numbers for every insurer
• all treatment records and bills
• photos, witness names, and any letters you do not understand
• your own auto policy declaration page

If the paperwork is in English and you cannot read it well, demand a plain explanation in writing and keep copies. If an insurer will not clearly explain a denial or delay, file a complaint with the Connecticut Insurance Department.

What comes next: either the insurers start negotiating fault percentages, or a lawsuit is filed and a court sorts out who pays what share. If health insurance, Medicare, or HUSKY paid bills, expect subrogation claims to show up before settlement money is released.