A car accident can be a stressful, life-disrupting event. Beyond physical injuries and property damage, one of the biggest concerns many people face after a crash is understanding how long it will take to resolve their claim and receive compensation.
While every case is different, there are common stages most car accident settlement timelines follow. Knowing what to expect at each step can help you make better decisions, prepare for delays, and work toward the best possible outcome.
Reporting the Accident and Seeking Medical Attention
After a collision, you should report the crash to local law enforcement and obtain a police report. If you’re injured, seek prompt medical treatment. Immediate documentation of your injuries and the crash scene is crucial evidence later in the claim.
Early documentation supports your case and protects your rights. Failure to report the accident or seek treatment can weaken a claim.
Notifying the Insurance Company
You or your attorney will notify the insurance company and file a claim. This starts the formal process where an adjuster is assigned and begins reviewing basic information.
It is important not to admit fault when speaking with the insurance company. You should also avoid giving a recorded statement until after speaking with a car accident attorney.
Investigation and Evidence Collection
After a car accident claim is filed, the insurance company begins a detailed investigation to determine who was at fault and assess the value of the claim. An insurance adjuster is assigned to review the facts of the accident.
During this phase, the adjuster may examine police reports, photographs or video from the accident scene, vehicle damage estimates, medical records, and statements from drivers and witnesses. In some cases, insurers may also consult accident reconstruction specialists or review traffic camera footage to clarify how the crash occurred. This investigation phase is critical because it directly impacts both liability and compensation.
The Negotiation Process
Once medical treatment is complete and damages are calculated, your attorney typically seeks compensation on your behalf.
Damages may account for the following:
- Lost wages
- Diminished earning capacity
- Scarring and disfigurement
- Medical bills
- Emotional distress
- Property damage
- Pain and suffering
- Mental anguish
- Out-of-pocket expenses
Negotiations typically start with a formal demand letter submitted to the insurance company. This document outlines how the accident occurred, why the insured party is legally responsible, and a detailed breakdown of damages. Supporting evidence such as medical records, bills, and expert opinions may be included to strengthen the claim.
Settlement Agreement
Once both sides agree on a settlement amount, the claim moves into its final stage. The insurance company prepares a settlement agreement, which outlines the terms of payment and requires the injured party to sign a release of liability. This document confirms that, in exchange for the agreed compensation, no further claims related to the accident will be pursued.
After the signed settlement paperwork is returned, the insurer processes the payment, and a settlement check is issued. The exact timing for receiving payment can vary depending on the insurance company’s procedures, whether liens or outstanding medical bills must be resolved, and how the funds are distributed.
What if a Settlement Can’t Be Reached?
Not all car accident claims settle. If negotiations stall or the insurer refuses a fair offer, your attorney may recommend filing a lawsuit.
Litigation introduces additional stages such as:
- Discovery
- Additional negotiations
- Pre-trial motions
- Trial
While most cases settle prior to reaching the trial stage, it is important to work with an attorney who is prepared to take your case to court if necessary.
Factors That Can Impact Your Settlement Timeline
Several variables influence how quickly (or slowly) a claim resolves, including the following:
- Severity of injuries
- Treatment duration
- Disputed liability
- The number of parties involved
- The insurance company’s willingness to settle
- The strength of the evidence
Having an experienced attorney can expedite evidence gathering, strengthen demands, and often encourage insurers to take your claim seriously.
Contact Our Scranton Car Accident Lawyers at Fellerman & Ciarimboli, Law PC for a Free Consultation
Understanding the car accident settlement timeline empowers you to navigate your claim with more confidence and less stress. Each case is unique — and while some claims settle quickly, others may take longer depending on treatment, evidence, and negotiations.
If you’ve been injured in a crash or are uncertain how your claim will proceed, working with a qualified legal team can make a significant difference. Fellerman & Ciarimboli, Law PC has significant experience guiding injury victims through the settlement process and fighting to secure fair compensation for medical bills, lost wages, and pain and suffering. We can evaluate your case, explain what to expect next, and help you pursue the best possible outcome for your unique situation. To learn more about your options, contact our law office today at (570) 714-4878 for a free consultation with a personal injury lawyer.