- Insurance claims vary significantly in the time it takes to complete the process.
- Because there are so many people involved, any delay by one person can slow down the entire claim.
- The type of claim can also have an effect on how long the process takes.
- The best thing you can do to speed up the claims process is to be sure you communicate promptly and thoroughly.
It Takes a team
When it comes to how long an indemnity claim takes, it might be longer than you think. This is because policy claims are n’t dependent on merely one person. The process involves a team. You need to be available to answer questions. The claims adjusters need to do their jobs. The soundbox shop needs to be available to work with both you and the claims adjuster. If one of the players is n’t cooperating, the entire process can get delayed. Without proper teamwork, a claim can get dragged out.
When To File and When not To
Before you worry about filing a claim, first determine if you should do so in the beginning place. If anyone was injured or if it ‘s ill-defined whose mistake the damage was, you should absolutely file an policy claim. Some indemnity policies besides stipulate that you must notify them of potential claims .
however, if it ‘s a single-vehicle accident involving you and your car, you should get a animate estimate before you file your claim or it could cost you in the farseeing carry. If the monetary value of the haunt is less than your deductible, it may be easier to pay out of pocket than to file a claim. Additionally, some policies raise the rates for filing a claim, therefore make certain you know the specifics of your policy .
What You Should Do
In the consequence that you need to file a claim, take these prudent steps to protect yourself .
Take photos of your vehicle, any injuries, and the view of the accident. Head to a doctor for a physical evaluation if you were injured. This tell will help ensure no one tries to distort the facts of the incident .
Know the Time Limit
different states and policies have unlike deadlines for filing a claim after an accident or incident. Know yours, and make sure you file before the deadline .
File a Police Report
If another driver is involved, file a police report. If you do n’t, the early party might try to pin the blasted on you .
Do n’t Admit Guilt
Let the policy ship’s company and police decide who is creditworthy. Your indemnity ship’s company ‘s representatives will act as your advocates, therefore let them do their job .
Know What Kind of Claim You Are Filing
The type of call besides impacts how long it takes for your claim to settle. hera ‘s what to expect for the most common types of claims .
Roadside Assistance Claim
many policy carriers make towing claims easy to file. Some will take care of the claim without having you pay anything out of pouch. If you do need to be reimbursed, it can take two weeks or more to get a check in the mail once you turn in your reception .
Glass claims can besides be handled promptly. Once the claim is filed, you can probably get scheduled for repair with a glass company the like day or within the workweek. If you require original equipment manufacturer ( OEM ) glass, it can take a small longer for the glaze company to order and receive the looking glass. The actual policy claim should be handled cursorily, though .
The time it takes to repair other physical damage to your fomite depends on the complexity of the claim filed. It is standard to receive your first reach with the policy adjuster within one to three days of filing the claim. If an adjuster needs to look at the wrong, it can take a couple more days. Using an insurance carrier-approved soundbox shop can speed up the march. Expect a cut-and-dried physical-damage claim to take one to two weeks to get finalized. This includes coordinating with a body shop and getting scheduled for repairs. If your car is drivable, you can drive it until the date of animate .
Agreeing on a payout sum can sometimes be unmanageable. A fortune of paperwork is involved in a total-loss title. Getting the proper signatures in all the right places can besides take time. It would not be shocking to see a total-loss claim take 30 days or more to finalize. States typically have limits as to how retentive an indemnity party can take to resolve a title .
Injury claims normally take the longest to march. once you fill out the initial paperwork, it should be out of your hands. The hospital and doctor ‘s office should coordinate directly with your car policy personal-injury claims adjuster. If your health insurance company paid the claim first, they ‘ll typically file their own claim with the cable car policy caller of the at-fault driver to seek reimbursement .
common Factors That Delay a claim
In a perfect world, everything would go smoothly and your call would be paid swiftly. Of course, that ‘s sometimes not the case. here are some common reasons claims are delayed .
Both you and the claims adjuster need to be available. not answering the call is a surefire way to delay a claim. It ‘s a big idea to verify all your contact information at the time of filing a claim. Double-check the mail address, e-mail address, and earphone count on file .
Misunderstandings About coverage
Did you think you had OEM coverage ? Does your policy say that you do n’t ? Coverage discrepancies can extend the claims procedure .
dissatisfaction With the haunt
Do n’t like the paint job on your repair ? Does something not seem right ? Rushing a repair to get your cable car back is not a good mind. If you are n’t happy with your compensate, it ‘s best to point it out immediately to get it resolved .
natural Disaster claim
Did a hail storm just come through the area ? Is everyone dealing with the consequence of a flood ? natural catastrophe claims much take longer because the insurance party and the car compensate service providers are going to be busy .
Lack of Cash
You ca n’t get your car indemnity call handled promptly when you do n’t have the cash to cover the deductible. Deductibles need to be paid at the time of compensate. design on holding off on the repairs if you do n’t have the cash to cover your deductible .
Choosing a reputable insurance company with excellent ratings can help ensure you have a politic claims process.
What To Do if It Is Taking Too Long
sometimes, no matter what you do, the claims procedure takes longer than you would like. The best thing you can do is have a accompaniment plan. here are a couple of options .
Contact Your agent
A lot of problems can occur during the claims process, slowing things down. If major delays arise, speak with your policy agent ( if you have one ). Agents much do n’t deal directly with a call, but they are a great resource if there is a problem. An agent can contact your claim example, or even the body denounce, on your behalf to help ensure that the process goes angstrom smoothly as possible .
Get a rental car
It may not be ideal, but sometimes, you have to get a rental car so you can get to work and pick up the kids from school. many insurers will cover the cost of a rental car after an accident, but check the terms of your policy to find out for certain .
Borrow a car
The most cost-efficient choice is to borrow a friend ‘s or family member ‘s car. Their indemnity coverage would be mechanically extended to you, but remember that their deductibles will apply if you damage the fomite. Paying for the deductible would be the correct thing to do if a loss occurs while you are borrowing their vehicle .
frequently Asked Questions ( FAQs )
How hanker after an accident can you file a claim ?
The time specify for how retentive you have to file a claim after an accident varies by state of matter. In some states, you have one year ; in many others, it ‘s two or three years or more. The meter limit besides varies depending on whether it ‘s a bodily-injury claim or a property-damage claim.
What is an policy adjuster ?
An insurance adjuster is a professional who accesses policy claims and determines how much the insurance company will pay. besides known as a claims adjuster, indemnity adjusters typically do a exhaustive investigation, which might include reading police reports, talking to witnesses, and evaluating the damage firsthand.