You were involved in an accident and you went on to file a car insurance claim. The next thoughts you are going to have is likely going to be “how long before i can finally get my car fixed”. The answer to this question isn’t as simple as most car owners think it is because it is always dependent on where you live, who you insurer is and also what type of claim you filed for. How long does a claim check take is what people want to find out and also the easy steps one can take when it comes to filing a car insurance claim.
How Long Does A Claim Check Take
In most states, customers or motorists are protected by laws which demands that insurers ensure that all claims are promptly and properly handled. In some states, there are specific time limits or days for example thirty days where insurance companies have to pay out a claim and during this thirty day period, the insurance company is going to acknowledge the claim you have filed for, look into it and finally offer you a fair settlement. This specific time limit doesn’t work in all states but the insurer is expected to handle a claim in reasonable time.
Below, we have three different examples of the time limit that we are talking about;
- North Carolina – In North Carolina, every insurance company is expected to handle a claim and make a fair settlement in about thirty days. Handling this claim actually involves denying or approving the claim, tabling a settlement offer to the insured victim, carrying out investigation and also paying out the claim. Loss and calm payment should be made by the insurance company within a period of ten business days once the claim is finally settled.
- California – In California, insurance companies have a forty day time limit to either accept a claim or deny it. If the insurer is in need of additional time then he is going to notify the insured victim every thirty days of what the claim status is. Once a settlement has been reached by both parties then payment of the settlement should be made within thirty days.
- Texas – In Texas, an insurer has fifteen days to acknowledge a claim and in this fifteen day window, the insurance company should either deny or accept the claim, receive all the necessary paperwork but the state also gives the insurance company additional forty five days on the grounds that the insured victim would be notified of the forty five day extended gap in writing. Once a settlement offer has been agreed upon then the insurance company has five days to pay out the claim.
Every insurance company differs from the next when it comes to paying out a claim but it is common for most insurance companies to complete the payment process within thirty days. However, this also depends on the specific claim and take for example, a personal injury claim, it might take longer for such a claim to get resolved because it involves a victims health and also several meetings with the doctor. Such claim cannot be easily resolved compared to that of a bumper damage or scratched door.
Before making up your mind on any insurance policy, make sure you ask the insurance company of its payment window and this is because most insurance companies also keep such records.
How To File A Car Insurance Claim
Once you are involved in a car accident, the first step that you should take is making sure that everyone else involved in the accident is okay. It is also common for the police to arrive the scene so they can make interrogations and also take statements. Even if you do not call the police, it is still okay for you to file for a police report at the police station. Here are information you can exchange with the other driver involved in the accident;
- Drivers insurance company and insurance policy
- Drivers full name and contact address
You can also go ahead to get the names of phone numbers of witnesses because it is possible that your insurance company might want to get useful information from them. Photos of the accident scene and that of the damaged vehicles should be taken as well and these photos are very helpful because through them, insurance companies can be able to tell you who is at fault for the accident.