![]() How long does an insurance claim take? The variables that can make the process for filing claims slower or faster are: ![]() Generally, you’ll want to notify the insurance company right after the accident.įactors that affect the turnaround for filing claims If you’d like to settle or get compensated quicker, you’ll want to be prompt in reaching out to to the insurer and filing a claim. In Illinois, you have up to five years to file a claim for property damage, and two years for bodily injury claims. In Florida, you have up to four years to file both a claim for property damage and bodily injury. As for how long you have to file a claim, each state has a different statute of limitations for property damage and bodily injury. While your insurance card says to contact your insurer within 24 hours after an accident to file a claim, it’s not a hard requirement. The MVAIC processes no-fault claims and serious injury claims by drivers who don’t have insurance. 90 days to file a claim with the Motor Accident Vehicle Indemnification Corporation (MVAIC).90 days to file a claim (if applicable).30 days to file for disability payments.30 days to file a claim with your own insurer.In the state of New York, which is a no-fault state, you have: If you have personal injury protection, or PIP, you can file a claim through your own insurance for bodily injury. Note: California isn’t a “no-fault” state for car insurance, which means an injured driver doesn’t have to prove that another driver was at fault to receive compensation for lost wages or medical bills. In the Golden State, once settlement has been reached, payment must be made within 30 days. After receiving proof of the claim, insurers are required to accept or deny a claim within 40 days. Claims are divided into two main categories: property damage and bodily injury.įor instance, in California, claims must be acknowledged within 15 days. Under claims settlement practices, auto insurers are obligated to act under certain time frames. “Otherwise you’ll wind up having to do it all over again.” The time limits to file a claim depend on the two things: your insurance company and the state you’re filing in.īecause insurers are regulated at the state level, the time frame a car insurance company has to pay a claim can vary, explains Whittle.Ī further incentive? “They also want to get it right the first time,” says Whittle. “They want people to be their customers, try to make sure things are done efficiently, and that you’re happy with the results.”ĭifferent insurance companies, different states, different rules “Insurers don’t want unhappy customers,” says Jim Whittle, associate general counsel and chief claims counsel of the American Property Casualty Insurance Association (APCIA). But chances are the insurance company will do their best to get your claim filed as soon as possible.Ĭontrary to popular belief, the insurer isn’t trying to cut corners or not give you what you want. While insurers typically have a goal of settling and paying your claim within 30 days, it’s not a hard requirement. How long does an insurance company have to pay a claim? So how long does an insurance claim take? Why is it that the length of time to file a claim for car insurance can vary so much? And what can you do to speed up the process? Let’s dig in. Moreover, litigation for the accident was completed four years after the accident. And Lent needed to seek medical treatment for her injuries. The claim ended up taking over 45 days to replace the car. The other driver’s insurance company eventually admitted their client was at fault. While waiting, she had to go through her insurance company to get a rental car. “Basically I had a totaled car at no fault of my own, but was at someone else’s mercy,” says Lent. This was after a police report had been filed and the driver was cited for being at fault. She suffered bruised ribs and dislocated discs in her neck.īut because the accident happened in Nevada, and state law gives someone up to 30 days to report an accident to their insurance provider, Lent had no choice but to wait. The damage was so severe the local fire department had to break the door open to get her out. On the flip side, Athena Lent was in a head-on collision in Las Vegas, Nevada in 2011. It was by far the was easiest claim he’s ever had to file. After Huber paid the $250 deductible, his insurance company covered the rest. The following morning, his car was dropped off for repairs near his home in Blacksburg, Virginia. The damage to his front bumper and headlight was evaluated and he received repair shop approval within the same day. While Ben Huber was driving around in his coupe last year, he had the misfortune of hitting a deer.
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