How long does it take for auto insurance to pay out after a claim?

I got T-boned in an intersection a little less than two weeks ago. The insurance adjuster said my car was a total loss. How long will it take to get my payout?

Sorry to hear about your car, but glad that you’re okay! It usually takes around 30 days to issue payouts after a claim is filed, but it does depend on the insurance company.
Several factors could also speed up or delay the payout process:
  • Serious accidents that require litigation will likely take longer.
  • Claims involving bodily injury take the longest to settle and payout because there are so many parties involved.
  • Injury settlements usually must wait until patients have made it to maximum medical improvement, which is determined by their doctor.
  • A simple damage claim may be settled and paid out in as little as two weeks.
Some state laws give insurance companies a certain timeframe to issue you a check. California, for example, gives companies 40 days to accept or deny a claim after receiving proof of that claim and 30 days to pay out from that point. Some other states don’t give a specific timeframe but dictate that it should be within a reasonable period after a claim is accepted.
If your insurance isn’t being cooperative or your rates soar after a claim, it may be time to switch companies. Jerry makes it easy to save by comparing great rates from over 50 of the nation’s leading insurance companies.
Matthew Macgugan
Answered on Oct 22, 2021

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