Settlement of a car accident claim in California can take anywhere from a few months to several years. The timeline depends on multiple factors, including the complexity of the case, the insurance company’s cooperation, and whether a lawsuit is necessary.
Understanding what impacts these timelines helps set realistic expectations. Delays frustrate many claimants, especially when insurance companies take longer than expected to process total loss claims.
Research shows that 46% of auto insurance consumers feel dissatisfied with the lengthy claims process. Knowing the key factors influencing timing can help you prepare and avoid unnecessary setbacks.
If you are dealing with a claim, taking proactive steps and seeking legal guidance can help ensure you receive a fair resolution. To get more information and arrange a free consultation, give us a call at (408) 848-2208 or contact us online.
How Long Does a Car Accident Lawsuit Take?
Filing a lawsuit can significantly extend the average length of time for car accident settlement in California. If the insurance company refuses a fair offer, legal action may be necessary, adding months or even years to the process. Lawsuits generally involve the following steps:
- Filing and discovery. The first phase involves filing your claim in court, exchanging evidence, interviewing witnesses, and gathering documents. Depending on the case’s complexity, this stage alone can take six months to over a year.
- Negotiation and mediation. This stage provides opportunities for the parties to settle before trial. However, settlement discussions can take several months.
- Trial and judgment. If you cannot reach an agreement, the case moves to trial, potentially adding another year or more.
Before filing a lawsuit, it’s important to consider the potential delay in receiving compensation.
Factors That Affect the Auto Accident Settlement Timeline
Several factors influence how long it takes to get settlement money from a car accident in California. The following elements can speed up or slow down the process.
Severity of Injuries and Length of Medical Treatment
More serious injuries result in longer recovery times, which can delay settlements. Insurance companies often wait until a claimant has reached maximum medical improvement (MMI) before making an offer.
If ongoing treatment is required, the claim may remain open for months or even years while medical expenses are evaluated. A settlement before MMI may lead to lower compensation due to underestimating future medical costs.
Disputes Over Fault and Liability
When responsibility for the accident is clear, claims resolve faster. However, disputes over who caused the accident can delay the process. Insurance companies conduct their investigations by reviewing police reports, witness statements, and surveillance footage before deciding. If liability is contested, negotiations may take longer, as each side presents evidence to support their position.
Insurance Company Delays and Tactics
Insurance companies sometimes use delay tactics, especially in high-value claims. Adjusters may request additional documentation or take longer than necessary to review medical records and repair estimates. These strategies pressure claimants into accepting lower offers out of frustration.
Prolonged delays can be frustrating, but legal representation can help ensure the insurance company does not stall unfairly. If the process extends beyond a reasonable timeframe, a lawyer can push for faster action and, if necessary, take the case to court.
How Long Does It Take to Get Settlement Money from a Car Accident?
Once a settlement is reached, claimants typically receive payment within four to six weeks. However, multiple steps are involved before the funds are disbursed. These steps include:
- The claimant signs a release form stating they accept the settlement and waive any future claims against the insurance company;
- After the release is submitted, the insurance company processes the payment and typically issues a check within two to three weeks; and
- Any legal fees and medical liens are paid before the insurance company sends the final amount to the claimant.
While most payments are issued on time, delays occur if additional paperwork is needed or if the insurance company disputes final amounts. Staying on top of the process and regularly following up can ensure timely payment.
Do You Have Questions for an Experienced Auto Accident Lawyer?
Still wondering, How long do car accident settlements take? If so, your next step should be to contact an experienced California personal injury lawyer to learn more about your rights–and what you need to do to protect them. At Gonzalez & Jones, APC, we have decades of combined experience securing favorable settlements for our clients.
We are well-equipped to answer any questions you may have about the process. To learn more and to schedule a free consultation today, contact Gonzalez & Jones by calling (408) 848-2208 or contact us online. Calling is free, and we will not bill you for our services unless we can connect you with the compensation you deserve.