Connecticut Auto Insurance & Crash Law

VictimsGuide’s Connecticut library organizes the rules that matter after a serious motor-vehicle crash: required liability insurance, uninsured and underinsured motorist coverage, conversion coverage, policy-limit disclosure, claims handling, employer and commercial coverage, government claims, comparative negligence, damages, liens, settlement and controlling case authority.

Connecticut rules to identify early

• Minimum coverage: Connecticut requires minimum liability insurance and corresponding UM/UIM protection, subject to statutory elections and permitted reductions.
• Conversion coverage: underinsured-motorist conversion coverage can materially change recovery because it is designed to apply without the ordinary reduction by liability payments.
• Disclosure: Connecticut provides a statutory pre-suit liability-policy disclosure process under § 38a-335a.
• Comparative negligence: Connecticut follows modified comparative negligence; recovery is barred when claimant negligence is greater than the combined negligence of the persons against whom recovery is sought.
• Government claims: state-vehicle and municipal claims require separate statutory and immunity analysis.

Preserve the complete policy, UM/UIM and conversion-coverage elections, crash report, photographs, video and electronic evidence, and investigate employer, commercial, umbrella and excess coverage before signing a release.

Current-law review: September 17, 2026. Verify current Connecticut statutes, Insurance Department guidance, appellate authority and the policy actually issued before relying on this educational guide.