How Long Will it Take for the Insurance Company to Pay

How Long Will it Take for the Insurance Company to Pay

One of the more common questions that get asked after you have been in a car accident is ‘how long will it take for the insurance company to pay my claim’?  There is no firm answer to this, it can take anywhere from a couple of days to years before your claim is paid.  A simple straightforward claim is pretty rare and there is a lot more to dealing with processing your claim than you think.  Let’s look at what can affect when your claim is finally paid.

 Holding Up Your Claim

If your car accident attorney is giving you a vague answer as to when your claim will be settled it is because he genuinely doesn’t know.  He may give you a ball park figure but nothing is set in stone.  There are a couple of things that can slow down your claim such as whether any party in the accident has claimed liability.  In other words, who was responsible for the accident?  If that is in doubt that can hold up your claim.

Damage to Your Car

This is probably the most straightforward part of filing your claim.  Once you have been in an accident then your car gets taken to your mechanic or local body shop where the damage will be assessed.  An insurance adjuster will either come and look at your car or they will talk to the mechanic and get a report on the damage.  From there they will decide if your car is worth repairing or not.  If you have no injuries and there was only damage to your car then the insurance can pay out the claim fairly quickly.

Medical Injuries

If you have medical injuries then that is what will hold up your claim.  First your doctor will have to determine the extent of your injuries and how long it will take you to recover.  Spinal cord injuries, head injuries and soft tissue damage like whiplash can be difficult to diagnose and the recovery can be long.  Added to that is the amount of time that you will be off work.  It can be difficult to determine your level of compensation you need to deal with the accident and the after effects.  Oftentimes the insurance company will disagree with your doctor’s assessment of your injuries and want a physician of their own to examine you.  When it comes to medical injuries you absolutely want to have an auto accident attorney representing you so you don’t get shortchanged.  Insurance companies may offer lump sum payments but that may not be adequate enough to deal with an injury that leaves you disabled and unable to work.

Going to Court

If you end up having to take your insurance company to court to get your settlement paid that can take years.  When your attorney won’t give you a timeframe on when you can expect a payout it is genuinely because they aren’t sure.  Insurance cases can be complicated.

What Happens When the Other Driver Has no Insurance

What Happens When the Other Driver Has no Insurance?

Car accidents happen on our roadways every day, and most of the time, the damages are covered by your own insurance company.  However, if another driver or the accident hit you is their fault, then it is their insurance that is responsible for paying the claims.  What happens when the other driver has no insurance?  This can be a huge problem, especially if you have been injured and your car is no longer driveable.  Let’s look at what can happen in this situation.

Uninsured Drivers

Bear in mind that not every state will require you to carry motor vehicle insurance, but for the sake of example, we will discuss the situation where insurance is mandatory.  There are still plenty of drivers that don’t have sufficient liability insurance for their vehicles.  They still get into car accidents, but now they are personally liable for vehicle repairs, medical expenses, hospital stays along with car rentals.  Not only are they financially responsible for your losses, but they can also be in legal hot water for not having insurance.  They can face fines, license suspensions, and criminal charges for the accident.  Here is a look at what happens when you drive without insurance.


Leaving the Scene of the Accident

Far too often, the driver who caused the accident and has no insurance will choose to flee the scene rather than take responsibility for the damage they have created.  If this happens to you, then you need to make a police report immediately.  It will be up to the police to track them down and charge them for the damage and fleeing the scene.  If they aren’t caught, then it will be up to your insurance company to pay for the damages incurred for all involved in the accident.

No One Has Insurance

In the case of the states that do not require you to have at least a liability policy for your car and two uninsured drivers get into an accident then it will be up to you to take the at-fault driver to court to recover your costs.  If the other person flees the scene or has no income or assets of their own, then you are left to pay for all damages on your own.  This is why you should have insurance even when it is not required and have a good auto accident lawyer to fight in your corner.