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How Long Does It Take to Settle a Car Accident Claim? 

Ellis & Thomas, PLLC   July 29, 2024

A question most people have after a car accident is, "How long will it take to settle my claim?" The answer depends on numerous factors. Let's look at the different elements and Texas laws that influence the settlement process of a car accident claim. 

Factors Affecting the Settlement Timeline 

One of the first steps you should take after a car accident is to report the incident to your insurance company. This initiates the claims process. The insurance company will assign an adjuster to your case, who will investigate the accident, assess damages, and determine the extent of liability. 

These factors could influence how quickly or slowly your car accident claim is settled: 

Severity of Injuries 

The severity of injuries sustained in the accident significantly affects the settlement timeline. More severe injuries require longer periods of medical treatment and recovery. You will need to wait until you have reached maximum medical improvement (MMI) before your claim is settled to account for all medical costs. 

Complexity of the Case 

Cases involving multiple parties, disputed liability, or unclear accident circumstances tend to take longer to settle. If there is a disagreement about who was at fault, both sides might need to gather additional evidence, such as witness statements, police reports, or expert testimony. 

Insurance Company Processes 

Different insurance companies have different procedures and timelines for handling claims. Some process claims quickly, while others might take their time. The efficiency and responsiveness of the insurance adjuster assigned to your case can also impact how quickly your claim is settled. 

How to Expedite Your Car Accident Claim 

These tips can expedite your car accident claim and help you deal with the settlement process more efficiently: 

  • Prompt reporting: Report the accident to your insurance company as soon as possible. Prompt reporting sets the claims process in motion and demonstrates your seriousness about resolving the matter. 

  • Complete documentation: Gather and submit all necessary documentation, including police reports, medical records, and repair estimates. Providing a comprehensive package of evidence helps the adjuster assess your claim more efficiently. 

  • Consistent communication: Maintain constant communication with your insurance adjuster. Respond to requests for information promptly and keep them updated on your medical treatment and vehicle repair status. 

  • Seek legal advice: A personal injury attorney can guide you through the legal intricacies, file paperwork correctly, and negotiate with the insurance company on your behalf. 

  • Be honest and accurate: Your statements, documents, and reports must be consistent and factual throughout the claims process. Discrepancies or dishonesty can delay the settlement or even jeopardize your claim altogether.   

Car Accident Claims in Texas 

Here are some laws that govern car accident claims in the state: 

Statute of Limitations 

In Texas, the statute of limitations for filing a car accident claim is two years from the date of the accident. Failing to file within this time frame can result in losing your right to seek compensation. 

At-Fault State 

Texas follows an at-fault system for car accidents, meaning the party responsible for the accident is liable for damages. This system requires a thorough investigation to determine fault, which can influence the settlement timeline. 

Comparative Negligence 

Texas employs a modified comparative negligence rule, which means you can recover damages even if you’re partially at fault, but your compensation will be reduced by your percentage of fault. If you’re found to be more than 50% at fault, you won’t be able to recover any damages. 

The Role of Medical Treatment and Recovery 

Your medical treatment and recovery also impact your car accident claim: 

  • Awaiting full recovery: Settling a claim before you have fully recovered can result in inadequate compensation for future medical expenses. You should wait until you’ve reached MMI to account for all medical costs. 

  • Documenting medical treatment: Keep detailed records of all medical treatments, including doctor's visits, medications, and therapy sessions. This documentation is necessary for proving the extent of your injuries and the associated costs. 

  • Expert medical opinions: In some cases, obtaining expert medical opinions can strengthen your claim. These experts can provide detailed assessments of your injuries and future medical needs, helping to justify the compensation you're seeking. 

Negotiating with Insurance Companies

You must be well-informed and prepared to advocate for a fair settlement when negotiating with insurance companies. Insurance companies often make initial settlement offers that are lower than what you might deserve. Don’t feel pressured to accept the first offer; instead, evaluate whether it adequately covers all your expenses. 

If the initial offer is insufficient, you can submit a counteroffer with supporting documentation. Mediation can also be a useful tool for reaching a mutually agreeable settlement without going to court.

Working with a personal injury attorney can make a significant difference. Attorneys are skilled in dealing with insurance companies and can advocate for your best interests. 

Avoid These Common Pitfalls 

These mistakes can delay or reduce the amount of your claim: 

  • Delayed medical treatment: The insurance company can use this to argue that your injuries aren’t severe or weren’t caused by the accident. 

  • Inadequate documentation: Failing to document the accident scene, your injuries, and the impact on your daily life can weaken your claim. Take photos, keep a journal, and save all receipts and invoices related to your accident. 

  • Accepting the first offer: Accepting the first settlement offer without thorough evaluation can result in insufficient compensation. Assess whether the offer adequately covers your medical bills, lost wages, and damages. 

Contact a Car Accident Attorney in Houston, Texas

Our attorneys at Ellis & Thomas, PLLC, are deeply knowledgeable about personal injury and car accident laws in Texas. We aim to empower you by shifting the power dynamic in your favor. We act as your liaison, bridging the gap between you and the large corporations.

Our mission is to advocate for the small guy, offering quality information and working collaboratively with you throughout the process. If you’ve been involved in a car accident in Houston, Harris County, Fort Bend County, Montgomery County, or Brazoria County, contact Ellis & Thomas, PLLC, for a free consultation.