The question how long does an auto insurance claim take is not one that’s as easy as a cut and dry process. This is because it takes a complete team to handle legal cases meaning they are not dependent on just one person. There are processes involved including a point where you have to answer questions, the body shop with work with you in repairing damages, claim adjusters would investigate and examine your claims and lots more. With quite some people involved in settling a claim, it could be a time consuming process.
The entire process could be stalled if a particular party (might be your party) doesn’t cooperate with the insurance company. There are certain elements involved in settling an accident victim’s complaint and the truth still remains that without having the proper paperwork or documentation, it might take longer for your claim to get settled. The first question people are faced with is whether or not they should file a complain or not. This is because there are certain conditions that would prompt you to file a claim or not file a claim.
How Long Does An Auto Insurance Claim Take
Take for instance, if there are doubts regarding which driver is at fault for the accident then it could stall the filing a claim process. Furthermore, if your insurance policy involves notifying the insurance company then you should do so. In another case, if the accident involves just you and your vehicle with minor damages and no injury or damage to another person or property then it would be wiser for you to get a repair estimate. This is because you might be able to pay for repairs out of your own pocket without getting money from your insurance company.
Understanding The Types Of Claims
Apart from comprehensive claims, collision claims and general liability, there are other types of claims that you can also take to and some of these claims can help in saving some money in your wallet without having an impact on your insurance rates. They might include;
- Glass replacement
- Roadside assistance
- Medical claims
- Physical damage
Out of all the claims we have listed above, the roadside assistance claims are the easiest to get reimbursement and they do not cost a lot. There are insurance companies that also offer these without demanding out of pocket expense. In some cases, it would take up to a week for you to get reimbursed for this and about five to eight days for your claim check to arrive. In the case of glass claims, it might not involve any deductible and can be handled very fast. Usually after filing a claim, glass repair might take up to a week or some extra days. The filing process is very fast all the same.
One thing about insurance claims is that insurance companies are out to get claims settled as fast as they can. In other words, it means insurance companies would want to have your claim settled and paid off in about thirty days of filing. This isn’t a firm or hard requirement and it is important to file as fast as you can because insurance company are out to make business. Dragging claims would only make the case more complicated. There are factors that the general time frame of any claim. They include;
- If personal injuries are involved
- Your insurance companies
- State laws
How clear cut a claim is would determine how fast a claim might get settled. If the damages are easy to value, are clear, the person at fault is clear, involves just one property then the claims would gets settled quickly. On the other hand, claims that involves personal and medical damages might take up to several months before they might get settled. Generally speaking, settling a claim is a matter of working with and not against the other parties and also being patient. This is the only option you have in settling the claim quickly.
State law has set down time frame for filing auto insurance claims but this is not the same as the time frame for paying out claims. It simply refers to the amount of time that a car accident victim has to file a complaint. The faster you are able to file a claim, the faster your claim would get settled quickly. Insurance companies also have policies that tells how long for them to accept claims. If you end up filing your claim late then it is possible for the insurer to deny your claim.