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How long will it take for me to get an insurance check for my totaled car?

I was in an accident last week that totaled my car. I need a car to get around, but I'll need my insurance check before I can purchase a new one. How long will it take to get a check for my totaled car?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
On average, it takes one week to one month for an insurance company to pay out a claim. The time it takes to pay out a claim depends on the severity of the accident and the policies of the involved
car insurance
companies. 
The process will likely move faster if:
  • The accident was straightforward
  • It’s clear who was at fault
  • You were at fault but you have
    collision coverage
    (meaning that you only need to deal with your own insurance company)
If the other driver was at fault and you’re waiting for their insurance company to pay: Check your policy for
rental reimbursement coverage
, or see if they’ll cover a rental car until you receive your payout.
View full answer 
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