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.

Why You Need an Auto Accident Attorney

Why You Need an Auto Accident Attorney

If you’re an adult living anywhere in North America then it’s highly likely that you drive and own a car.  Driving is something most of us take for granted but sometimes tragedy strikes and you find yourself in an accident.  You have insurance in place to help cover your expenses should you be involved in an accident.  Insurance can help with the cost of repairs to your car along with any medical bills you may incur because of the accident.  Insurance companies aren’t always willing to pay your claim and that is why you need an auto accident attorney.

When you’re involved in an auto accident, be it a small fender bender or a far more serious accident involving property damage or injuries you will need to put in a claim with your insurance company.  Insurance companies are notorious for not paying out, stalling or not paying you the compensation that you deserve.  They also make the paperwork complicated and difficult to fill out.  An attorney can help protect you and make sure that the insurance company pays what is owed to you.  Let’s look at what how an auto accident attorney can help you.

  1. They can make sure that the paperwork is filled out completely and properly to satisfy the insurance company for your claim.
  2. They can assemble police reports, medical reports and any other accident reports that the insurance company demands.
  3. Making sure that the damage to your car is repaired or if the car is written off by the insurance company that you are paid for the replacement value of your vehicle.
  4. Your attorney can determine the amount owed to you to cover your expenses such as medical expenses, time off work, etc.
  5. If the insurance company decides not to pay the claim for one reason or another then your attorney is there to begin the negotiations. Sometimes insurance companies will offer a settlement, your attorney can advise you on whether you should accept the offer or not.
  6. If a claim can’t be settled with your insurance company then you may have to take your case to court. You will need an attorney to represent you and make sure that your rights in the suit are protected.  They will present the evidence and argue on your behalf.  They will seek compensation for the damages that you have suffered as a result of your accident.

Getting into a car accident is traumatic enough on its own without the insurance company delaying payment or giving you a hard time.  Get an attorney on your side right away to make sure that you get the compensation that you deserve.