Skip to content

How Long a Settlement Negotiation Can Take from Your CT Law Firm

There is no definitive answer how long settlement negotiations can last in Connecticut. A personal injury case may take several months to resolve due to a variety of factors. At Carter Mario Law Firm, our personal injury lawyers do everything they can to resolve cases in a timely manner on behalf of their injured clients.

Length of a Settlement Negotiation in Connecticut

Settlement negotiations often do not last longer than two years. This is because the statute of limitations for personal injury claims under Connecticut State law is two years. Nonetheless, the process of preparing a case for settlement involves many tasks which must be completed following an accident.

Factors Affecting How Long a Settlement Negotiation Can Take

People often make the mistake of thinking insurance companies make settlement offers immediately following an accident. This is rare. Instead, several factors affect the length of settlement negotiations.

Medical Treatment

To assert a successful personal injury claim, you must present proof of your damages, i.e., your legally recognized losses such as your injuries. Accidents often result in victims suffering injuries which require medical treatment. Depending on the severity of your injuries, your medical treatment may last several months, which can delay negotiations.

Stall Tactics

Insurance companies often stall cases by claiming they need more time to review or investigate the facts of an accident. Along with this, insurance companies also stall by stating they need more time to evaluate a claim for settlement. Another common stall tactic used by insurance companies is delaying obtaining settlement authority.

Conflict During Negotiations

Two common conflicts which arise during negotiations center around the issues of fault and the victim’s injuries. For example, in car accident cases, insurance companies argue their drivers are not at fault or the victim contributed to the collision. Additionally, insurance companies downplay the severity and financial value of a victim’s injuries.

Court Hold Ups

If you are forced to file a lawsuit, the insurance carrier may refuse to negotiate until you formally serve their client. If you are unable to find the negligent person, your case will be delayed. Additionally, the insurance company may prolong litigation by engaging in extensive discovery and forcing you to undergo medical examinations.

Finding an Attorney

It is unwise to negotiate with an insurance company without first obtaining legal representation. You should retain the services of an experienced and reputable personal injury attorney. The award-winning personal injury attorneys at Carter Mario Law Firm have been representing injured victims for over 30 years.

General Timeline of a Settlement Negotiation

After an accident and a victim’s medical treatment, several things occur during a personal injury case. The completion of a victim’s medical treatment is often the beginning of the timeline of the settlement process. Negotiations often begin after a demand letter is sent to the insurance company.

Demand Letter

Demand letters are commonly used tools in personal injury cases. A demand package contains a victim’s medical records and bills, along with a letter describing the act of negligence the opposing party committed and a summary of the victim’s injuries. A well prepared demand letter can encourage an insurance company to settle early.


In many cases, insurance companies present offers after receiving demand letters. However, the initial offers made by insurance companies often do not reflect the true value of a victim’s injuries. As a result of these initial low offers, the personal injury attorneys at Carter Mario present carefully considered counteroffers in order to make progress during settlement negotiations.

Legal Negotiations

Successful negotiations depend on knowing the legal and factual strength of a personal injury case. A personal injury lawyer must also be able to effectively communicate the extent of your injuries, the necessity of your medical treatment, and how the pain from your injuries affected your life. Additionally, a personal injury attorney must be able to push back against an insurance company’s arguments while tactically presenting reduced settlement offers in order to encourage the insurance company to present increased counteroffers.

The Process of Mediation

Mediation can be an effective negotiation tool. Essentially, mediation involves both parties presenting their arguments to a neutral mediator with the intent and authority to reach a settlement. Mediators are often retired judges or lawyers who guide and encourage the parties towards settling.

Going to Court

Sometimes, insurance companies will not engage in settlement discussions until a lawsuit is filed. Insurance companies sometimes re-evaluate their defenses when presented with the threat of high judgment. In many cases, insurance companies present fair settlement offers immediately before trial.

Accepting a Settlement

After a victim accepts a settlement offer, the insurance company will send a release. This is a contract which a victim must sign to finalize a settlement. Specifically, a release contains language in which a victim surrenders their right to pursue a legal claim in exchange for a monetary settlement.

How to Speed Up Settlement Negotiations

You can speed up settlement negotiations by providing relevant documents and evidence to your attorney as soon as possible after your accident. This will allow your attorney to be better prepared. Additionally, you should follow your attorney’s advice and actively participate in your attorney’s efforts to prepare your testimony if the case will go to court.

Summary of Settlement Negotiation Length

The amount of time needed to settle a case depends on several factors. Specifically, the facts of your accident, injuries and medical treatment, and the insurance company’s willingness to negotiate can either shorten or prolong settlement negotiations. At Carter Mario, our personal injury attorneys do everything possible to pressure insurance companies to make fair settlement offers.

Talk with an Experienced Attorney at Carter Mario, Your CT Law Firm

If you were injured in an accident, you need experienced legal representation. The attorneys at Carter Mario Law Firm have been successfully battling insurance companies for over 30 years and have obtained over one billion dollars in financial compensation for our clients. Contact us today for a free consultation.

Client Victories

We’ve Recovered Over $1 Billion for Clients
Just Like You


Rear-End Collision

Our client sustained a significant injury to his cervical spine after a rear-end crash. After receiving a low initial offer from the insurance company, we fought hard for our client to get him the settlement he deserved.


Medical Misdiagnosis

Our client’s doctor misread an x-ray causing a delayed diagnosis of sarcoma, which resulted in our client’s death.


Failure to Treat

Gastroenterologist and primary care doctor failed to treat or transfer our client who was hospitalized for GI bleeding, which resulted in our client’s death.


Failure to Diagnose

Our client’s doctors failed to diagnose him with abdominal cancer, resulting in his death.


Medical Malpractice

Our client suffered brain damage, paralysis, and speech deficits after undergoing a bedside procedure.


Brain Damage

Our client suffered brain damage after their breathing tube was misplaced.


Failure to Diagnose

Our client’s doctor failed to diagnose Fournier’s Gangrene, resulting in necrotizing fasciitis, sterility, abnormal gait, and muscle loss.


Personal Injury Resulting in Death

Our client, an innocent bystander to a bar room brawl, required surgery for a ruptured Achilles tendon. After the surgery, our client developed a pulmonary embolism, resulting in his death.


Gas Poisoning

Our client suffered from carbon monoxide poisoning with cognitive loss after an on-site contractor ran gas engines during business hours.

Why choose Carter Mario?

We want justice and what’s best for you and your case. Here’s our promise:

  • #1 ribbon icon

    A Team That Puts You First!

    Our clients are our #1 priority and everything we do is focused on getting you the best result! You are the reason we became lawyers. To the insurance company, you are no more than a claim number but to us, it’s personal. We’re here for you 24/7, 365 days a year. We communicate often and call you back the same day or lunch is on us. We believe an informed client is a happy client. You are the reason we fight!

  • Money saved icon

    Over $1 Billion Recovered!

    For over 30 years, we’ve fought fiercely and tirelessly against Big Insurance and won countless victories for our clients. You were already hurt physically when you came to us, but we make sure you aren’t hurt financially when you leave. Our goal is to give you a better tomorrow.

  • Certified icon

    Experience On Your Side!

    No obstacle is too big. Our seasoned attorneys were handpicked and know how to hold the insurance companies accountable. We have experience in and out of the courtroom. Our attention to detail and in-depth investigation helps identify key evidence we use to prepare your case. Our attorneys have the knowledge, the dedication, and the passion it takes to win. They love what they do.

  • Money chest icon

    We Have a Large War Chest!

    When we go to trial, we are battle ready, but taking a case to trial takes more than confidence, experience, and commitment. It takes cutting edge technology and a War Chest to support the costs of zealous representation. Many firms aren’t willing or don’t have the resources and financial stability to front your costs and maximize your case. We’ll spend whatever it takes to get you every penny you deserve!

  • Why Carter Mario icon

    Making the Law Make Sense!

    At Carter Mario Law Firm, our mission is to make the law make sense. You’ve been injured and it wasn’t your fault. Life is suddenly overwhelming and confusing, and you don’t know where to turn. You need help, but it matters who you get. Let us come to your rescue. We’ll do the work, so you don’t have to. You can focus on you!

You Pay Us Nothing Unless
We Win Your Case

Call (203) 876-2711 or Contact Us For a No-Obligation Case Evaluation. Our attorneys are standing by to evaluate your case, answer any questions, or discuss your next steps. Getting the compensation you deserve starts here!

    Client Testimonials

    Such a great experience

    "I had such a great experience with Carter Mario Law Firm. Everyone was amazing, helpful and comforting during this stressful time."

    - Michelle P.

    It felt really good to have someone

    "My son suffered an injury after being hurt in a car accident, and it felt really good to have someone fighting for the person you love."

    - Alex M.

    Tough and fearless

    "Look no further, you have found the best personal injury law firm in Connecticut. Tough and fearless, and I cannot think of anyone better to represent me."

    - Phillip Y.

    Attention to detail

    "Look no further, you have found the best personal injury law firm in Connecticut. Tough and fearless, and I cannot think of anyone better to represent me."

    - John L.

    Took so much stress off of me

    "When I had my work-related injury, Carter Mario took on the workers’ comp insurance company that tried to belittle me and dealt with them, which took so much stress off of me. Thank you so much."

    - Ruth H.