When a crash upends your life, myths can cost you money and your peace of mind. At Goff Law Group, our female-led trial team boasts a 99% success rate, having recovered millions for injury victims, and provides clients with 24/7 direct access to their attorney. We handle car accident cases across Connecticut every day, and we cut through the noise with facts, law, and relentless advocacy. Let’s bust the most common misconceptions we hear so you can protect your health, your rights, and recovery.
Myth #1: “Connecticut is a no-fault state, so I can only use my own insurance.”
Fact: Connecticut is a fault state; Connecticut repealed no-fault in 1994. You can pursue the at-fault driver’s insurer and, if needed, file a lawsuit.
Myth #2: “If I feel fine, I don’t need to see a doctor.”
Fact: Some injuries—especially concussions and mild TBIs—don’t show symptoms immediately. The CDC notes symptoms may appear hours or days later. Get evaluated and follow medical guidance.
Myth #3: “You must give a recorded statement to the other driver’s insurer.”
Fact: You generally don’t have to give a recorded statement to a third-party insurer, and volunteering one can be used against you. If an adjuster calls, talk to a lawyer first. For consumer protection guidance and information on your insurance rights, start with the Connecticut Insurance Department's consumer resources.
Myth #4: “You can wait as long as you want to file.”
Fact: Most Connecticut negligence claims (including car crashes) must be filed within two years of when the injury is first sustained or discovered and no later than three years from the act or omission (a statute of repose), per CGS § 52-584.
Myth #5: “If I’m partly at fault, I can’t recover anything.”
Fact: Connecticut follows a modified comparative negligence standard. You can still recover so long as you are not more at fault than the defendants; your award is reduced by your percentage of fault (Connecticut General Statutes § 52-572h. (2024) - Negligence actions. Doctrines applicable. Liability of multiple tortfeasors for damages. :: Title 52, Chapter 925).
Myth #6: “The police report is automatic proof of who’s at fault.”
Fact: Police reports are not the final word on liability in a civil case. You (and your lawyer) can obtain Connecticut Uniform Police Crash Reports (PR-1) and related records to build your case, but fault is ultimately proven with all evidence (Reports and Records).
Myth #7: “My own uninsured/underinsured motorist (UM/UIM) coverage won’t help.”
Fact: Connecticut policies must include UM/UIM coverage to protect you if the at-fault driver is uninsured or underinsured, according to CGS § 38a-336 and CID.
Fight With a Team That Won’t Back Down
If a crash turned your world upside down, you don’t have to take on insurers alone. Put a relentless, female-led trial team in your corner—one that treats you like family, moves fast to secure evidence, and fights for every dollar you’re owed. Contact us today to schedule a free consultation. We’re available 24/7, and you’ll have direct access to your attorney from day one. Let’s protect your rights and get you back on your feet.
