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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?
Matthew Macgugan · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
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 involvingbodily injurytake 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.
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