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Can I Sue Hartford Insurance After A Car Accident?

Legally reviewed by: Miriam Domer November 3, 2023
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Quick answer: If The Hartford insurance has acted in bad faith toward you by refusing to pay a legitimate claim or offering you less than your injuries are worth, you may be able to take legal action and sue them.

By filing a lawsuit against The Hartford insurance, you may receive the compensation you were owed to cover damages like loss of income or pain and suffering.

Furthermore, by working with a top-quality auto accident attorney, you can feel comfortable and confident every step of the way until a settlement or verdict is awarded.

LegalFinders can help you locate a top car accident lawyer or law firm near you to help you get started today with a free consultation.

A Hartford car insurance agent showing the male customer where to sign the car insurance claim form

What To Know About Suing The Hartford For An Insurance Claim

When considering a lawsuit against The Hartford insurance, you need to understand whether you live in a no-fault insurance state or an at-fault insurance state.

This information will affect whether the lawsuit you file is against your own insurance company or the insurance company for the at-fault driver.

In the majority of states, you would be filing a lawsuit against the at-fault driver’s insurance company, but 12 states have no-fault insurance laws where you would be filing against your own insurance.

Is Suing The Hartford Insurance The Same As An Insurance Claim?

Answer: It’s easy to confuse the idea of filing an insurance claim with filing a lawsuit against an insurance company, but these two instances are not the same.

Filing an insurance claim takes place first after an accident, as an attempt to collect financial compensation for expenses related to the accident.

Customers are not always satisfied with the outcome of their personal injury claim with The Hartford insurance. They may then want to file a lawsuit against the insurance company in order to collect the compensation they believe they are owed.

A car accident lawyer can help with this process, which can be complicated, especially when there are serious injuries or a wrongful death involved.

Eligibility For Filing A Car Accident Lawsuit Against Hartford Insurance

There are numerous situations that would make a person eligible for filing a car accident lawsuit against The Hartford insurance, and most of them involve the company acting in bad faith.

Examples of how a car insurance company can act in bad faith include:

  • Offering a lowball settlement offer that does not cover the accident victim’s damages or injuries
  • Delaying the legal process or delaying payments once they have been found liable to pay
  • Dismissing evidence that does not support their side of the case
  • Participating in fraudulent or illegal actions when handling your case

An attorney can help you determine your eligibility if you are still unsure whether your family’s situation applies.

What Type Of Lawsuit Can You File Against The Hartford Insurance?

Depending on the specific circumstances of your accident, there are two main types of lawsuits that you may consider filing against The Hartford:

  • Personal injury lawsuit: This common type of lawsuit could allow you to collect damages for accident injuries and other related expenses.
  • Wrongful death lawsuit: This type of lawsuit is filed in the event that there was a fatality in the accident, and is filed by surviving family members.

Regardless of which type of lawsuit you file against The Hartford insurance, it is important to work with an experienced and high-quality car accident attorney.

Factors In Car Accident Lawsuits Against Insurance Companies

When someone is considering filing a lawsuit against an insurance company like Hartford Insurance, there are several factors to consider.

Factors that can affect car accident lawsuits against insurance companies include:

  • If there were any serious injuries or deaths in the accident
  • Whether there are any disputes about which party is at fault for the accident
  • If there is enough evidence to support the lawsuit
  • Whether the lawsuit involves any acts of bad faith on the part of the insurance company
  • Whether any motorists were uninsured at the time of the accident

How To Sue The Hartford Insurance After An Auto Accident

You can follow these steps if you have decided that suing Hartford Insurance is the right choice for you.

1. Get A Free Case Evaluation With A Car Accident Lawyer

A free case evaluation is always your first step. During this meeting, the lawyer can determine if you are eligible for a case and what your options are.

You can also seek legal advice and guidance and get a feel for how different law firms would handle your case.

2. File Your Car Accident Claim

It can be helpful to have a lawyer assist you with your claim to ensure you do not miss any deadlines and that all paperwork is filled out correctly.

Most importantly, you will want to make sure that your file is claimed before the statute of limitations runs out in your state for personal injury cases.

3. Start Settlement Negotiations

During settlement negotiations, insurance adjusters and lawyers from both sides will negotiate back and forth until they are able to agree on settlement terms.

The vast majority of car accident insurance lawsuits are able to settle during this stage, but in rare cases the parties will not be able to reach an agreement.

4. Move Your Lawsuit To Court

In rare instances, no settlement is reached in a car accident case and the claimant then has the option to proceed with a lawsuit and move the case to court.

In these cases, the outcome will most likely be decided by a jury, though in some instances it may be decided by a judge.

Evidence You Need To Sue Hartford Insurance For An Insurance Claim

It is very important to have strong evidence in your favor when suing an insurance company like The Hartford insurance.

Evidence needed for a lawsuit against The Hartford insurance can include:

  • Copy of medical bills and medical records
  • Accident report or police report
  • Witness testimonials
  • Pictures of all vehicles involved and the scene of the accident

It is not always possible to collect all of this information right after the accident, depending on the severity of your injuries. Try to get contact information for all other drivers involved if you need to get more information later.

The Hartford Insurance Coverage And How It Affects Lawsuits

People can obtain a few different types of insurance through The Hartford insurance, and the type of insurance that a person has is likely to affect their lawsuit.

Types of auto insurance coverage offered by The Hartford insurance include:

  • Liability coverage: This type of coverage protects a driver in the event that they are found to be the at-fault party for the accident and thus responsible for any resulting injuries or property damage.
  • Collision coverage: This type of insurance is often required for leased or new vehicles, and protects a driver no matter who is found to be liable for the accident.
  • Comprehensive coverage: This type of coverage is unique in that it protects against non-collision events that are out of a driver’s control, such as theft or natural disaster.

How Long Do You Have To Sue The Hartford Insurance After An Accident?

In most states, you have two or three years after the date of your car accident to file a lawsuit against The Hartford insurance.

This is based on the statute of limitations for each individual state, which is two or three years in the majority of states.

By working with an experienced auto accident attorney, you can ensure that all deadlines are met in a timely manner when filing your lawsuit.

The Hartford Insurance Car Insurance Lawsuit Settlements

Car insurance lawsuit settlement amounts can vary a lot because every car accident is different and unique as are the resulting injuries and damages.

Despite this, the average car insurance lawsuit is around $20,000 to $25,000.

Factors that affect car insurance lawsuit settlement amounts:

  • The cost of medical treatments as well as future medical treatments
  • Amount of income lost or future income lost
  • Whether there was emotional distress or pain and suffering
  • The type of insurance the claimant has and if there are insurance coverage limits
  • Whether there were fatalities in the accident

Types Of Damages In The Hartford Insurance Car Accident Lawsuits

Damages listed on car accident lawsuits can vary depending on the severity of the accident, and will also have a large effect on settlement amounts.

Types of damages listed in The Hartford insurance car accident lawsuits include:

  • Medical expenses – including emergency care immediately following the accident and any follow-up or continuing care
  • Pain and suffering – emotional distress caused by the accident
  • Lost wages and benefits – income lost during recovery from the accident
  • Loss of future wages and benefits – income lost if the accident victim is not able to return to work
  • Loss of consortium – loss of companionship, such as in the loss of a spouse or partner
  • Wrongful death – if a loved one passed away as a result of the accident

The Hartford Insurance Auto Insurance Statistics

The Hartford Insurance is based out of Hartford, Connecticut, providing all kinds of insurance including auto and home insurance.

According to a Nerdwallet survey and review from 2023, The Hartford earned a 3.5 out of 5-star rating in overall performance and was rated higher than average in customer satisfaction but also a high number of complaints about auto policies.

The Hartford was also noted as having a partnership with AARP and primarily targeting individuals over the age of 50 for insurance policies.

Get Help Suing The Hartford Insurance After A Car Crash Today

If you have decided that suing The Hartford insurance after a car crash is the right course of action, make sure that you have a high-quality personal injury lawyer at your side.

An experienced personal injury attorney from a reputable law office can help you build a strong case and ensure that you receive the highest compensation possible for the damages you have suffered.

To be connected with a car accident attorney in your area who can get you started with a free case review, contact LegalFinders today.

The Hartford Insurance Car Accident Lawsuit FAQs

Here are answers to questions that are frequently asked about lawsuits against The Hartford insurance.

How long does a car accident lawsuit against The Hartford insurance take?

Most vehicle accident lawsuits against an insurance company are able to settle between 9 and 18 months.

Depending on the individual circumstances of a case, however, they can take as little as a few weeks or as long as several years.

Why did The Hartford insurance deny my original claim?

There are a few legitimate reasons why The Hartford may have denied your original claim.

Reasons your claim with Hartford Insurance may be denied include:

  • Your insurance policy was not active at the time of your accident to non-payment
  • Your insurance policy does not cover the type of accident you experienced
  • Your claim was not reported in a timely manner

What is an average settlement amount against The Hartford insurance?

An average settlement amount against a car insurance company after a car accident is between $20,000 and $25,000.

It is important to remember that this is an average amount, and it can be difficult to predict what the settlement amount for each individual case would be.

Working with a qualified car accident attorney can help you get a better idea of what your settlement could be based on individual factors that apply to your case.

Article Sources

Nerdwallet. “The Hartford Auto Insurance Review 2023.” Retrieved from:

U.S. News & World Report. “Bad Faith in Insurance.” Retrieved from:

ValuePenguin. “Why Your Car Insurance Claim Was Denied & How to Appeal.” Retrieved from: