What To Do If the Other Driver’s Insurance Denies Your Claim in CT

By Robert A. Avena

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Car Accidents

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Last Modified on Mar 16, 2026

After a car accident in Connecticut, filing an auto insurance claim is usually an injured driver’s first option for recovering compensation. However, if you find yourself in this situation, you need to know what to do if the other driver’s insurance denies your claim in CT. It’s a good idea to hire a Connecticut car accident lawyer before you attempt to negotiate a settlement, even if you believe the other driver is clearly to blame for the accident.

What To Do If the Other Driver’s Insurance Denies Your Claim In CT

There were 97,295 recorded vehicle accidents statewide in 2025, according to the Connecticut Crash Data Repository. Many of these accidents involved multiple vehicles, and proving fault is an essential first step in your recovery after another driver has caused an accident. Your Connecticut car accident attorney can gather the evidence you need to prove fault, and then they can help you file an auto insurance claim against the at-fault driver.

Under Connecticut law, every driver in the state must have an auto insurance policy that includes: 

• A minimum of $25,000 in bodily injury liability coverage for a single person injured in an accident.
• At least $50,000 total accident liability coverage for bodily injuries to multiple people injured in a single accident.
• $25,000 or more in property damage liability coverage.
• $25,000 in uninsured motorist coverage for injuries to a single person, and this must extend to at least $50,000 in uninsured motorist coverage for multiple people injured in a single accident caused by an uninsured driver.

These coverage limits may seem like enough to cover the damages from some accidents, but the reality is that most insurance claim adjusters will do everything they can to avoid paying out fair settlements. They will use a claimant’s own words against them at every opportunity to try to justify a lowball settlement offer or denial.

While you are more likely to be treated fairly if you hire a car accident lawyer to assist you with your claim, you should know what to do if the other driver’s insurance denies your claim in CT. Your first option in this situation is usually to file an appeal. Your attorney can gather documentation and supporting evidence to send to the insurance company and guide you through the appeals process, which should hopefully yield a better outcome.

If you believe the insurance company has acted in bad faith, your attorney can help you file a complaint with the Connecticut Department of Insurance, and you may have grounds to file a civil lawsuit against the insurance company. Ultimately, facing an auto insurance claim denial can be frustrating and distressing, but experienced legal counsel can help you approach this difficult situation with greater confidence.

The Connecticut personal injury lawyers at Suisman Shapiro Attorneys-at-Law has years of experience helping injured clients throughout Connecticut with their auto insurance claims, and we know the tactics that many insurance companies use against injured claimants. If you are preparing to file an auto insurance claim, contact us today to schedule a free consultation with our team and learn how we can assist you with your recovery efforts.