A car accident involving your child can leave you shaken and unsure of your next move. Acting quickly and correctly protects both your child’s health and their legal rights.
Get medical care right away
Your first call should be to 911. Paramedics can evaluate your child at the scene. Do not move a child with serious injuries from their car seat before first responders arrive.
Even a low-speed crash can cause hidden injuries. Children may not clearly describe pain. Watch for delayed signs in the days that follow, such as mood changes, sleep problems or physical discomfort. A doctor can identify issues like growth plate damage before they worsen.
Document the scene and replace the car seat
Evidence collected at the scene supports any future claim. Take photos of vehicle damage, the surrounding area and any visible injuries. Get the other driver’s name, license plate and insurance policy number. Collect contact information from witnesses.
You should also replace your child’s car seat after any crash. The National Highway Traffic Safety Administration notes that structural damage to a seat may not be visible, but the seat’s ability to protect can still be compromised.
Understand who pays and what your child can claim
Connecticut law requires drivers to carry uninsured motorist coverage of at least $20,000 per person and $40,000 per accident. Your own UM/UIM policy may also cover your child as a passenger. Children injured in crashes may be entitled to compensation for the following:
- Medical expenses: Past and future treatment costs.
- Pain and suffering: Physical and emotional harm from the accident.
- Psychological trauma: Ongoing conditions such as anxiety or PTSD.
- Lost wages: Earnings lost by a parent or the child in future years.
Insurance adjusters aim to minimize payouts. Avoid giving a recorded statement before speaking with an attorney.
Talk to an attorney before the deadline passes
Connecticut General Statutes § 52-584 sets a two-year limit to file a personal injury lawsuit. Unlike most states, Connecticut does not pause this clock for minors. A parent must file within two years of the accident date. An attorney can help you understand your options and file on time.
