How Long Does an Insurance Company Have To Settle a Claim?
Every company has a specific set of rules and uses different methods for filing and settling insurance claims. The simpler cases can take one to two weeks to resolve, while the more complex ones can drag on for months or years. Most companies have a 30-day self-imposed deadline.
Shouldn’t Your Insurance Company Respond to Your Claim Within Days by Law?
Under the terms of your insurance policy or state law, the adjuster needs to complete an initial review and respond within a reasonable amount of time, usually about 30 days.
Unfortunately, providers tend to take their time responding to claims. You can take matters into your own hands and use DoNotPay to file insurance claims and appeal the rejected ones, as well as to take the company to court if need be.
How Long Does a Car Insurance Claim Take?
When it comes to car insurance claims, there are a lot of factors to consider, and settling a claim depends on numerous factors.
For example, if there is damage that is easy to evaluate, not overly demanding, and involves only property, it can get settled quickly.
If a claim involves a medical or personal injury, the process will take a lot longer and be a bit more complicated.
How Long Does an Insurance Claim Take To Settle?
Companies will take time settling insurance claims depending on the type of claim you are filing, as well as the complexity of your case. Check out the table below for the common claims and how long they usually take to settle:
|Claim Type||How it works|
Roadside assistance claims
Physical damage claims
Total loss claims
How Can I File Insurance Claims?
There is not one but several methods to file your insurance claims and get the most from them. The company should present all available ways to claim your insurance. You choose the one that suits your needs.
Here are the most common ways you can file your insurance claim:
- Over the phone
- In person
- By email
- Via letter
To claim the insurance on your own, you should reach out to your provider and ask for help regarding your insurance claim or any other issue you want to resolve.
You can also avoid the unnecessary hassle and use DoNotPay to cut the work in half and file your claim easy-peasy!
DoNotPay Helps You File Any Insurance Claim Easily!
Using DoNotPay will help you save time and file your claim in a matter of minutes! You do not have to burden yourself with research or challenging procedures. We present you three simple steps you should follow to claim your car, home, hurricane, flood, travel, accident, or unemployment insurance from the comfort of your home.
When you load DoNotPay in any web browser, follow these steps:
- Select the insurance type you need
- Give us your contact information, provider details, and policy number
- Explain why you are filing your insurance claim and provide us with details about your case
Appeal a Denied Insurance Claim With DoNotPay in Four Steps!
Aside from helping you filing insurance, DoNotPay can assist in appealing a denied claim as well! We came up with the Appeal a Denied Insurance Claim feature to streamline this somewhat complicated procedure! Our robot lawyer composes and sends the appeal letter in your stead!
Follow these instructions to appeal your rejected insurance claim with our app:
- Visit DoNotPay from your web browser
- Look for the insurance you want to appeal
- Click on the Appeal a Denied Insurance Claim tool
- Finish the process by following our prompts
Feel free to use our app if you need assistance in filing or appealing rejected insurance claims from companies like Dairyland, Safeco, Erie Insurance, ACCC, MetroPCS, Hartford, The General, Metlife, Mapfre, StateFarm, Shelter, and many more!
DoNotPay Helps You Claim Your Money
Our virtual assistant app makes sure you get back funds that are rightfully yours.
DoNotPay can also help you initiate a chargeback on any transaction you disagree with. We can help you secure compensation from airlines, robocall and text scammers, or in case you've been a victim of a crime.
Bypass the Administration With DoNotPay
There's no more need for extensive research, abundant paperwork, or endless phone calls with customer service reps.
DoNotPay brings the administrative nonsense to a minimum.
Book DMV appointments fast and easy, appeal your parking citations, sign up for free trials without disclosing your credit card info or phone number, or reach your loved ones in jail—all in less than five minutes.