Connecticut Subrogation Statute of Limitations
Adjuster & SIU reference for Connecticut: SOLs by cause of action, the comparative-negligence rule, and the evidence you'll need to preserve from day one.
Comparative-negligence rule
Modified comparative — 51% bar
Plaintiff fault must be 50% or less to recover. Recovery reduced by plaintiff %.
If plaintiff fault > 50%: $0. If ≤ 50%: damages × (1 − plaintiff_fault).
Connecticut-specific notes for subrogation
- Modified comparative — 51% bar.
- Personal injury SOL: 2 years; property damage: 2 years; product liability: 3 years (within 10-year repose).
- Conn. Gen. Stat. §31-293 governs workers' comp subrogation.
Evidence checklists by loss type
Common subrogation triggers in Connecticut, with the evidence to lock down before it disappears.
Auto collision
Bodily injury arising from a motor vehicle accident.
- Police report with officer narrative and citations
- Photos of all vehicle damage from 4+ angles
- Scene photos showing skid marks, debris field, traffic controls
- Witness statements with contact info
- Vehicle EDR / black box data download (preserve before vehicle is repaired or salvaged)
Auto — property damage only
Vehicle damage with no bodily injury claim.
- Police report and vehicle damage photos
- Estimate of repair or total loss valuation
- Drivers' insurance cards and traffic citations
- Witness statements
Property — fire
Fire damage to real or personal property.
- Fire marshal / origin and cause investigation report
- Photos of fire origin point and burn patterns
- Physical evidence preservation: appliance/source object (DO NOT discard)
- Electrical service inspection records
- Building permits and recent renovation history
Property — water damage
Water damage from plumbing failure, appliance, or HVAC.
- Plumber / restoration company assessment of water source
- Photos of failed component before removal (pipe, valve, hose, appliance)
- Physical preservation of failed part (label, bag, store)
- Installation records: who installed, when, permits pulled
- Manufacturer model/serial of failed component
Product defect
Injury or damage from a defective consumer or industrial product.
- Preservation of the product itself in as-found condition
- Original packaging, manuals, warning labels
- Proof of purchase / chain of custody
- Photos / video of product as found post-incident
- Expert engineering inspection (before any disassembly)
Premises liability (slip & fall)
Injury occurring on someone else's property due to a hazard.
- Incident report from premises owner
- Photos of the hazard from multiple angles, with measurements
- Video surveillance footage (request preservation in writing immediately — typically overwritten in 30 days)
- Maintenance and cleaning logs for the area
- Prior incident / complaint history for the premises
Workers' comp — third party
On-the-job injury caused by a non-employer third party.
- OSHA incident investigation report
- Worksite photos and equipment involved
- All contracts between employers and third parties on site
- Certificates of insurance from all on-site contractors
- Employee statements and supervisor interviews
Cargo / freight loss
Damage or loss of goods in transit.
- Bill of lading and signed delivery receipt with exceptions
- Photos of damaged cargo and seal condition
- Temperature/data logger records for reefer or sensitive cargo
- Carrier's claim acknowledgement and investigation file
- Driver logs and route history
Construction defect
Property damage from defective construction or workmanship.
- Original construction plans and specifications
- All change orders and inspection reports
- Photos and video of defect manifestation
- Expert inspection report identifying root cause
- Subcontractor scope agreements and insurance certificates
Professional negligence
Damages from professional malpractice (medical, legal, accounting, etc.).
- Complete engagement file from the professional
- All correspondence and deliverables
- Standard of care expert opinion
- Damages calculation tied to the alleged breach
- Statute of repose research for the profession/state
How Connecticut subrogation deadlines work in practice
Once a covered loss in Connecticut is paid, the carrier is contractually and equitably subrogated to the insured's tort claims against responsible third parties. The clock for that recovery action starts running from the date of loss in most cases (a small number of jurisdictions use the discovery rule for latent injuries or defects). Missing the SOL means the file is permanently uncollectible.
In Connecticut, the most relevant deadlines for subrogating insurers are:
- Personal injury — 2 years from date of loss.
- Property damage — 2 years.
- Product liability — 3 years, sometimes shorter where statutes of repose apply.
- Written contracts — 6 years.
- Oral contracts — 3 years.
Practical playbook for subrogation files in Connecticut
- Calculate SOL at intake. Use the calculator above the moment FNOL is taken; populate the SOL date in the claim record so it surfaces in every aging report.
- Issue spoliation letters within 48 hours. Surveillance footage from premises liability cases is often overwritten in 30 days. Vehicle EDR data is lost on repair or salvage.
- Identify the right defendant(s). Connecticut courts are unforgiving of misnamed defendants right before SOL — confirm corporate identity, registered agent, and proper service addresses.
- Plan for the negligence rule. Plaintiff fault must be 50% or less to recover. Recovery reduced by plaintiff %. Build the file accordingly when assessing recoverable amount.
- Tender early when liability is clear. If the responsible carrier accepts coverage, an early tender package can resolve the file in months rather than years.
ClaimDesk automates each of these steps. SOL is calculated and tracked the moment the loss date hits the file. Spoliation letters draft from a template the same day. Recovery teams see only the cases where the math actually works after the comparative negligence haircut.
Stop tracking SOLs in spreadsheets.
ClaimDesk surfaces SOL exposure on every Connecticut claim at intake and routes recoverable third-party files to your subrogation specialists.