How long to settle an injury claim?
I am wondering how long it usually takes for insurance companies to settle auto bodily injury claims. I rear-ended a driver at a stoplight at about 5MPH back in July. He complained of no injuries at the time, officer noted no injuries. Anyways, he later made a claim against my policy, and my adjuster said it is still unresolved (been about 3 months now).
Is it normal for it to take this much time, or am I about to be taken to court? My insurance apparently covers to 0,000.
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Filed under: New York Herniated Disc Lawyer
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These things sometimes take years. Sounds as if you have plenty of coverage. Set back, relax and let your insurance handle everything. If you are sued your insurance will represent you. 95% of the time these things are settled out of court and you won’t even know about a settlement til you get a letter in the mail. You have insurance, let them do their job.
I believe a person has a year from the date of the accident to report and/or settle a claim (NOT TOTALLY SURE, but that’s what I’m remembering) -it might depend on the state where you live. What this means is that the insurance company is probably either arguing his claim, or the insurance company has offered him a settlement & and the guy hasn’t signed off on it yet - he’ll just drag it out til it’s close to the time limit to see if he can squeak anymore out of them than what he’s getting already. I doubt you’ll be taken to court - 5mph couldn’t have caused much damage, and he’ll have to prove it if it goes to court. Worst case scenario the insurance company’s lawyer will hand him a check to settle the case so they dont have to pay legal fees & court costs and he’ll go on his merry way. Don’t worry about it - they’ll handle it. If it were a MAJOR collision, I might be worried, but yours sounds like a nuisance claim.
if the person got a lawyer this can take up to a year to resolve. don’t worry, you have insurance so you are covered.
There is no set time period.
Depending on what state you live in, the timeframe to collect on the claim is usually around 2 years. But the statute differs for each state.
If the person is still treating for their injuries, then your insurance will not settle until they are done. At that time they will order all of the medical bills and the medical records. They will review and evaluate the file. At that point they will make an offer to the other driver.
Bodily injury claims take time and sometimes the "injured" person can be a pain to deal with, making the claim take longer.
When the insurance requests the bills and records from the providers it could take weeks or months before they get anything back, all depends on how backed up the doctors are. I try to ask the people to send me the bills themselves so the claim can be expedited, but most people don’t want to do that. They feel bc they were the "victim" they shouldn’t have to do anything. These are also the people who moan and groan about not settling bc we are waiting on Their meds.
Hope this helps