The question of how long a car insurance claim takes depends on the situation involved and the time that the insurance company will take to investigate the incident.
The amount of time that is taken to settle an insurance claim for a car accident varies, anywhere from a few weeks to several months. More so, you may likely get separate claim payouts at different times for each type of coverage that applies to your claims.
How Long Does a Car Insurance Claim Take?
Car accidents can be confusing but with a car insurance cover, you can file a claim afterwards. However, the issue of how long a car insurance claim is a big question that would bring car insurance policyholders to a great light.
Hence, this type of claim usually takes 30 days for insurance to pay out after a car accident. Notwithstanding, there is every possibility that it might take longer depending on the situation.
How Long Does it take to File a Claim?
You can file a claim or lawsuit only within your state liability time limit. This is known as the “statute of limitations”. Each state has its own status of limitation and there are different time limits for various types of damages. Hence, it is advisable you are aware of yours.
Notwithstanding, when a loss happens, it is advisable that you seek help if need be, and contact your insurance providers before you file a claim.
Is there a Time Limit for Insurance Claim Settlement?
Generally, the insurance company has about 30 days to investigate the event or accident, however, it is not the same with all insurance companies.
Most state laws require claims to be processed promptly and without unnecessary delays, but it can take longer to process and settle. Mostly if the accident was very serious or a coverage investigation is needed.
Insurance investigation has a good impact on claim settlement time. For example, a car accident which results in very serious injuries may attract serious insurance investigation. This is done to find out if the driver is at fault or not.
What can I do to Avoid Delays in Receiving my Claim settlement?
The only solution to avoid delay in receiving a claim settlement is to provide the requested information promptly before you file a claim. Be ready to provide copies of the police report, photos of the damages and insurance information for all parties involved. Also, any other information requested by your adjuster.
When an investigation is carried out and you are found to quit, the insurance provider will determine the amount that will be given to you.
What should I do if a Claim takes Longer than Expected?
Some states require the insurer to provide a written explanation in response to why the claim is taking longer than 30 days. Notwithstanding, some claims are delayed due to reasons best known to the insurance company you are operating with. Hence, when your claim is not forthcoming, the only thing to do is to visit the company to know why.
Be aware that a car accident investigator could take months to complete if there were extensive injuries, multiple drivers and cars involved and a question of who was at fault. In an accident with more injuries and damage, the investigation would take longer.
How to File an Auto Car Claim
To fill an auto car claim is very easy. You have several options to submit your claim. However, when you are involved in an accident and you come out with fewer injuries or no injuries out all but there is damage, the next thing to do is to go to the hospital for a checkup.
When that is done you will contact your insurance provider to file a claim and for them to investigate the incident. Some option to file a claim includes mobile apps, going online, logging in to an insurance account if any or calling an insurance provider. You can also visit the company if you are fit.
When will I Know the Amount of the Claim Payout?
This varies depending on how many and what type of claim you filed. For example, if you filed a claim for injuries you suffered, you will know the payout amount once the claim is resolved. Hence, if the situation is a car accident, an estimation will be given to you.