The length of time it takes to settle a car accident claim can depend on a number of factors, including your injuries and the complexity of your case. Click to learn more.
How Long Does A Car Accident Claim Take To Settle?
How long a car accident claim takes to settle can depend on a number of factors. Some of these factors include:
- The complexity of your case
- The number of drivers involved
- Whether the driver or drivers dispute the events leading up to the collision
- The severity of your injuries or extent of property damage
- The strength of the evidence
We understand that you want to be paid as quickly as possible to cover the rapidly growing number of medical bills or to pay for the cost of repairing or replacing your vehicle after an accident. We also know that the financial burden you are likely experiencing can only make the physical and emotional pain you are feeling even worse.
We also do not want to see you accept a lowball offer from your insurance company out of desperation. We want to see you compensated to the fullest extent of your injuries, and we know that, all too often, victims feel forced to accept a low offer for financial reasons.
An injury lawyer can fight for your right to a fair settlement after a car accident and keep your case progressing on track, following the necessary procedures to avoid any unnecessary delays in your case.
For a free legal consultation, call (800) 747-3733
How the Statute of Limitations Can Impact Your Claim
FL § 95.11 gives four years from the date of the accident to file a lawsuit pursuing damages. How long a car accident claim takes to settle must fall within this timeframe. While this deadline only applies when you are taking a case to court, it does give you leverage with the insurance company and encourages it to make a fair offer in your case to avoid a costly legal fight that will delay a settlement.
If you wait to pursue a claim after the statute of limitations has run out, the insurance company knows that you have no options for legal recourse if it rejects your claim for compensation.
Pursuing Compensation Beyond Your PIP Insurance
Because Florida is a no-fault state, you are barred from pursuing financial compensation from the at-fault driver unless you can prove two things:
- The driver’s negligence caused your injuries
- That your injuries meet the threshold requirement of “serious”
We must prove that the driver:
- Owed you a duty to drive with caution
- That they breached that duty
- That their breach of duty resulted in a collision
- That the collision caused you to suffer serious, life-altering injuries
FL § 627.737 says you must meet the definition of a “serious injury” to hold the at-fault driver financially accountable. Serious injuries include:
- Death or a condition that will likely cause your death
- Permanent injuries that lead to disability
- A significant impairment that affects an important part of your body
- Significant scarring or disfigurement
Damages You May Be Entitled to Recover After a Car Accident
When you file a claim outside of your insurance policy, you have the option to pursue a number of damages that are not available through your PIP coverage. These damages include:
- Remaining treatment costs not covered by your PIP insurance
- The cost of ongoing care
- In-home healthcare
- Prescription medication expenses
- Lost wages not covered by PIP insurance
- Vehicle repair or replacement
- Adaptive equipment and mobility aids
- Out-of-pocket expenses
- Pain and suffering
When we investigate your accident, we collect receipts, bills, and medical records to calculate the total value of your losses, including noneconomic losses like pain and suffering. This helps us to pursue a fair settlement in your case when we negotiate with the insurer.
To get started on your case right away, contact the Law Offices of Anidjar & Levine at 1-800-747-3733.