What the insurance company does not want you to know is that Connecticut's 2-year deadline to sue usually keeps running while an adjuster is "just getting your side." The smarter move is to report the claim promptly but stick to basics, not a recorded statement for the other side.

A recorded statement is not a neutral fact-gathering tool. It is how an adjuster locks in phrasing they can reuse later: your employee "seemed okay," the road was "slick but manageable," the van "might have changed lanes," and so on. In a Greenwich storm crash on I-95, Route 1, or an evacuation-route backup during hurricane season, those small words get turned into comparative-fault arguments.

Give the other driver's insurer only the core facts: date, location, vehicles involved, known injuries, and where to send correspondence.

If the crash happened on the job, handle the two tracks separately. Your employee may have a workers' compensation claim and also a third-party claim against the at-fault driver. In Connecticut, the employee generally must protect the comp claim within 1 year by filing a Form 30C with the Connecticut Workers' Compensation Commission if needed. Workers' comp does not automatically wipe out a claim against a negligent outside driver.

You should also notify your own commercial auto and workers' comp carriers right away. Your own carrier may require cooperation under the policy. That is different from volunteering a recorded statement to the other insurer.

Watch for common delay tactics: repeated requests for the same documents, "friendly" calls asking about prior injuries, and fast lowball offers before treatment is clear. If Greenwich Police or Connecticut State Police responded, get the report number early; it helps cut through the usual fog.