What to Do After a Car Accident in Connecticut
WHAT TO DO AFTER A CAR ACCIDENT IN CONNECTICUT
The minutes after a collision are stressful, and it is easy to forget an important step. Knowing what to do ahead of time protects your safety, your insurance claim, and the quality of your repair. Here is a practical guide for drivers in Waterbury and across Connecticut. For a look at what happens once your vehicle reaches the shop, read what really happens after a car accident.
Steps to Take at the Scene of an Accident
- Check for injuries. Call 911 right away if anyone is hurt.
- Get to safety. If the vehicles can be moved safely, pull out of traffic and turn on your hazard lights.
- Call the police. Connecticut requires an official crash report when a collision involves injury, death, or more than $1,000 in property damage. Ask the officer for the report or case number.
- Exchange information. Collect names, phone numbers, driver's license numbers, license plates, vehicle details, and insurance company and policy numbers from every driver involved.
- Document everything. Photograph all vehicles, the damage, license plates, road conditions, and the surrounding area. Get contact information from any witnesses.
- Stick to the facts. Avoid debating fault with the other driver. Describe what happened clearly and honestly to the police.
What to Do in the First Few Days
Report the accident to your insurance company promptly. See a doctor even if you feel fine, since some injuries do not show symptoms right away. Keep a folder with the police report number, photos, towing receipts, rental records, and all claim correspondence.
You Choose Where Your Car Is Repaired
An insurance company may recommend a body shop, but in Connecticut the choice is yours. Learn more about your rights when an insurer steers you to a shop. Have your vehicle inspected in person as soon as possible, because damage to sensors, suspension, and structural parts is not always visible. If you are unsure whether your car is safe to drive, read is your car actually safe to drive after damage. If your vehicle was towed to Ray's at the request of CT State Police or Naugatuck PD, email towing@raysautoinc.com.
Frequently Asked Questions
Is Connecticut an at-fault state?
Yes. In Connecticut, the driver who caused the accident is responsible for the damages, usually through their insurance company. You can file with your own insurer or with the other driver's insurer, depending on who was at fault and what coverage you have.
Should I file a claim with my insurance or the other driver's?
If the other driver caused the accident, you can file a claim with their insurance company, which typically covers repairs and a rental car. Filing through your own collision coverage can sometimes move faster, and your insurer may then recover costs from the other driver's company. Your deductible and the details of the accident will affect which route makes the most sense.
What if the other driver has no insurance or leaves the scene?
Call the police right away and report it. Connecticut requires drivers to carry uninsured and underinsured motorist coverage, which may help pay for your damages and injuries. Give your insurance company the police report number as soon as possible.
Will insurance pay for a rental car while my car is being repaired?
If the other driver is at fault, their insurance company is generally responsible for a rental while your vehicle is repaired. If you file through your own policy, rental coverage depends on whether you have it on your plan. Check with your agent before booking a rental.
Can my car be towed directly to Ray's Automotive?
Yes. You can ask the tow company to bring your vehicle straight to Ray's Automotive at 1704 Baldwin Street in Waterbury. Having it towed directly to your chosen shop avoids extra storage fees and a second tow later.
Need help after an accident in Waterbury, CT? Ray's Automotive has helped Connecticut drivers through the repair process for more than 30 years. We offer free consultations, pickup and delivery, and direct support with your insurance claim. Call 203-527-4116 or contact us online to get started.







