How Long Should My Insurance Claim Take?

Your Insurance Claim Timeline

After being in an accident that left you injured, it’s understandable that you would want to get through the insurance claim process as quickly as possible. Dealing with insurance companies can be complicated and they may use tactics to delay the process, so it’s important to have a clear expectation of what it entails.

While the timeline for your claim may vary depending on the circumstances involved in your incident, you may still be able to expect a certain process. Here’s what you should know.

Working with an Insurance Adjuster

After you file your claim, you will likely be contacted by an insurance adjuster. The role of the adjuster is to investigate the claim and determine how much the insurance company should pay out. This process can take a few weeks.

When working with an insurance adjuster, it’s important to be cautious with how you discuss your injury. Giving a recorded statement or saying phrases like “I’m fine,” may negatively impact your return. For these reasons, it’s highly recommended that you work with an experienced personal injury or insurance claim attorney, so they can communicate on your behalf.

Approved or Denied?

Once the investigation is complete, the insurance company will make a decision on your claim. If denied, you should receive a letter in the mail that outlines the reasons for denial; otherwise, you would receive a check for the approved amount.

Appealing a Denied Claim

If your claim is denied and you disagree with the insurance company’s decision, you have the right to appeal. When appealing a claim, the first step is to send a letter to the insurance company that includes all of the reasons why you believe they should reconsider their decision and provide supporting evidence.

The appeals process can be lengthy, so it’s important to be patient. Working with an attorney is one of the most effective ways to have a successful appeal.

Aizenman Law Group Can Help

Dealing with an insurance company after being injured in an accident can be complicated and frustrating. If your claim has been denied or delayed, consider consulting with an attorney who can help protect your rights and get you the compensation you deserve. Call 631-769-8431 today to discuss your legal options.