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How Long Does It Take to Get a Car Accident Settlement?

Injured parties often wonder how long car accident claim settlements take to resolve. The answer to that question depends on numerous factors, including the severity of your injuries, the amount of insurance coverage available, or whether the other driver was at fault.

Car accident victims with an experienced personal injury attorney on their side can negotiate a fair settlement with the insurance company much faster than attempting to handle the case without legal representation.

The personal injury attorneys at Rosenfeld Injury Lawyers, LLC can work on your behalf to stop the desperation of waiting weeks or months before ever hearing back from the insurance company. We can speak directly with the claims adjusters and build a case for maximum compensation.

Call our car accident lawyers at (888) 424-5757 (toll-free phone number) or use the contact form today for immediate legal advice and schedule a free consultation. All confidential or sensitive information you share with our legal team remains private through an attorney-client relationship.


Why Is Our Car Accident Settlement Taking This Long to Resolve?

The time it takes to settle a car accident claim can be anywhere from 90 days to over one year, depending greatly on your case's specific circumstances and factors.

In some cases, a personal injury attorney will want to ensure that their claim has reached a maximum medical improvement (their ability to get healthier has ceased) before the car accident case settles. Legally, once a car accident claim settles, the case is closed forever with no more action to be taken on receiving additional funds for ongoing medical bills and lost wages.

While most car accident settlements can be resolved directly with the at-fault driver’s insurance company, other cases must follow a long litigation process for victims to recover full and fair compensation for their damages.

Data shows that most car accident cases are resolved before ever going to trial.

What Can I Obtain in a Car Accident Claim?

Accident-related expenses you are entitled to recover from an at-fault party under Illinois law include:

  • Medical bills
  • Property damage
  • Lost wages
  • Compensation for pain and disability
  • Wrongful death

A personal injury lawyer can help you review what insurance adjusters will look for in a personal injury claim. An attorney working with the insurance adjusters will speed up the time it may take to get the car accident settlement check.

Additional Funds for Future Care and Expenses

The biggest recovery area is money paid for medical treatment for your serious injuries. You may also make settlement negotiations and injury claims for future medical care and future expenses for the same physical recovery if you suffered injuries.

The accident victim may work with their personal injury lawyers to make personal injury claims about other out-of-pocket losses.

These can include lost income, damaged property, or other expenses the car crash caused. A lot of this depends on the case your personal injury lawyer can make.

Non-Economic Damages

Intangible harm, often called non-economic damage, is more commonly associated with personal injury cases and auto accident cases than an insurance company claim. It frequently covers pain, suffering, disability, scarring, and reduced quality of life. The damages can extend the time it may take to settle the car accident claim.

Finally, the family of a lost loved one may file an auto accident claim with a personal injury lawyer for wrongful death damages. In this case, plaintiffs commonly seek lost support and lost companionship. Hopefully, this helps you understand what you could get in an auto accident claim (with auto insurance companies) or a personal injury lawsuit with lawyers after a car crash.

Schedule a free consultation with a car accident lawyer from our law firm today about a personal injury case and automobile accident claim. We can review what most personal injury cases get.

Then, we can estimate a fair settlement for your serious injuries if you bring a personal claim and car accident lawsuit. We can also go over the settlement process, injury claims timeline, and how long vehicle accident cases take.

An experienced lawyer can help you get settlement money from the other driver or insurance company for your severe injury. Learn how you can set up an attorney-client relationship and initiate a car accident case after a serious car accident.

How Long Does It Take to Settle a Claim After Car Accidents?

It may take time to settle a car accident with an insurance adjuster from the insurance company or companies and get a fair settlement offer (settlement checks vary). But what can you get from the insurance company of the fault driver?

The average settlement or verdict might be tens of thousands of dollars. Many settlements go a lot higher than this too.

Any good car accident lawyer or personal injury lawyer from a reputable law firm will tell you that these facts and trends are helpful but not determinative.

Your settlement with the insurance company will rest solely on:

  • The circumstances of the crash
  • The extent of your injuries
  • The scope of the defendant's culpability

Receive a free consultation and free case evaluation today. Call the Rosenfeld Injury Lawyers for legal advice about how much money the insurance company or insurance companies owe from the relevant insurance coverage policy.

You might be entitled to compensation if someone else's negligence caused the motor vehicle's wreck.

Our legal team can gather evidence about the negligent driver to seek a settlement offer and recoup money for past bills and further treatment.

We can estimate how long an auto accident claim takes to settle and get a settlement check for you, including truck accident cases, motorcycle accidents injury claims, and common auto accidents.

What Factors Affect How Long It Will Take to Settle With an Insurance Company After Car or Truck Accidents?

The timing of any potential settlement in a car accident case usually hinges on many of the following factors:

  • What insurance companies are involved?
  • When the insurance company receives all relevant documents like medical records, lost wage forms, etc., the longer it takes to get them, the more it can get dragged out.
  • Liability—is there a dispute as to who caused the accident?
  • The severity of injuries sustained.
  • Medical testimony and medical records to support injuries.
  • Degree of permanency related to the injury.
  • If the insurance company believes the claim was made in bad faith.

The most high-stakes cases involving serious accidents causing catastrophic damage and injuries will be more likely to drag out before a settlement is negotiated or go to litigation.

If a case can be resolved with an auto insurance company, it might be possible to reach an agreed settlement within 90 days of discharge from medical care.

In some car accident cases involving litigation, the case may take more than one year to make its way through the settlement process or go to trial or final disposition.

Talk to a car accident lawyer in a free consultation today to see how long a car wreck claim takes and how you can expedite the settlement process.

Why You Should Resist the Temptation to Settle Too Soon After an Accident

Most insurance companies will reach out and offer to settle your case soon after the accident happens to get the file closed quickly. For a person injured in an accident, such an offer may be tempting, particularly if you face mounting medical bills and other expenses.

However, a quick settlement of a car accident case with an insurance company is rarely in your best interest.

Avoid Accepting a Low Settlement Offer

These speedy, lowball settlements usually indicate that decision-makers have not assessed or accurately measured all the elements contributing to your total damages.

Payment can include past and future medical costs and lost income.

Further, once an automobile accident case is settled with a release signed by you—the injured— you will never be able to recover any additional monetary damages. It won't matter how severe your injuries ultimately turn out to be or when you become aware of their severity.

How Long Do I Have to File a Case in Illinois?

If you choose to sidestep the insurance company process and file a lawsuit, you will have two years from the date of the accident or when you first learned of your injuries.

Illinois' statute of limitations prohibits you from bringing a case if you wait longer than that amount of time.

The specific provision is 735 ILCS 5/13-202, and the relevant passage can be recited here for your reference:

"Actions for damages for an injury to the person, or for false imprisonment, or malicious prosecution, or for a statutory penalty, or for abduction, or for seduction ...shall be commenced within 2 years next after the cause of action accrued..."

How a Car Accident Lawyer Can Help You Get a Car Accident Settlement From Insurance Companies

At Rosenfeld Injury Lawyers LLC, our goal is to get you the maximum compensation possible for injuries you have suffered in an Illinois vehicle accident.

From the time you retain our auto accident firm to represent you, we begin the process of investigating your case.

We do this to establish that the other driver’s negligence caused the collision. We also collect medical records and bills to evaluate the full extent of your injuries.

Building a Strong Case by Collecting Medical Records and Other Evidence

We continually collect and update your records as you progress through your medical care and eventual discharge. Frequently, we meet with your physician and request that they prepare a report documenting your injuries and any impact they might have on you in the future.

While this can be a lot of work, taking these steps enables our firm to resolve personal injury cases for our clients in Chicago and across Illinois directly with an insurance company promptly.

Our experience handling thousands of auto-related serious injury cases helps us recognize when an insurer under-values your case. In these situations, we will get a lawsuit filed and actively litigate your case so we can get you the compensation you deserve.

Call our offices now to get a free consultation about your rights and options for recovery and compensation.

How Can I Speed Up the Insurance Company Process?

Some things need to happen before your claim with the insurance company can be resolved at all, such as:

  • You need to get better from a health perspective or get to maximum medical improvement.
  • You need to organize all relevant materials for your claim, including health records, employment verification, income, etc.
  • You need to send a demand letter and obtain a response.

Also, there are additional items that may make an insurance adjuster settle your car accident case faster, including these:

  • File a claim quickly.
  • Have all evidence neatly organized and available to the insurance company.
  • You have a lot of damages, but the claim or policy is for a low amount of money.
  • The insurance carrier is reputable.
  • You keep the insurance carrier informed so that it can set the reserve appropriately.

Talk to an experienced lawyer if the insurance company fails to respond to your claim promptly.

Car Accident Settlement Negotiations Summaries

Our legal Law firm has identified numerous auto crash cases that have provided maximum compensation for their car accident victims. Our lawyers have organized the following car accident settlements summaries.

The below amounts cannot predict your car, truck, or motorcycle accident case resolution. However, the amount that others receive includes:

$1,500,000 Settlement:

In this Illinois car crash controversy, the plaintiff and defendants agreed on a $1.5 million settlement. The 51-year-old plaintiff was injured when crossing the street after being struck by a car making a left turn.

The injured victim waited two days before visiting her doctor, who diagnosed her with cervical and lumbar disc herniations, cervical avulsion fractures, lumbar disc bulges, and ligament tears in the right shoulder and left knee. As a result, the woman required ongoing physical therapy.

$850,000 Settlement:

A large truck tractor-trailer sideswiped a man in his early forties on Interstate 80. He attempted to exit off the highway when the big rig slammed into him.

The plaintiff claimed the crash left him with a rotator cuff tear, worsened spinal condition, and other personal injuries. He paid nearly $400,000 for medical treatment to cure these ills, including fusion surgery and other procedures.

The commercial truck driver denied these car accident claims and suggested the plaintiff’s injuries pre-dated this crash. Yet, the two sides soon started haggling to find an amount of financial compensation that would end this lawsuit. In the end, the man obtained $850,000 for his harm and losses!

$1,125,000 Settlement:

The injured man (34) was a passenger in a car traveling in Illinois when it rear-ended another vehicle and caused a multiple-vehicle crash. He sustained a traumatic brain injury and other serious personal injuries, anxiety, and adjustment disorder.

He could not return to work and incurred almost $700,000 in medical bills. This personal injury claim was brought against the driver for damages resulting from the accident. He and the at-fault driver agreed to a settlement of $1,125,000 for his injuries, expenses, long-term losses, and other damages.

$222,500 Settlement:

A young woman (26) tragically died in an automobile crash on Lake Shore Drive in Chicago, Illinois. The at-fault driver of the vehicle she was in lost control, it flipped over, and they both died.

This personal injury claim was brought against the man’s insurance carrier (State Farm) for damages related to the untimely death, including pain, expenses, and her early death. In a private settlement, the claimants obtained $222,500 in compensation.

$495,000 Settlement:

A young woman in her late teens was injured when her friend crashed into a pole in the Cook County suburbs of Chicago. She sustained a concussion, a broken clavicle, and other personal injuries.

They necessitated multiple surgeries (medical bills were more than $75,000. The young girl also experienced ongoing pain and disability due to the motor vehicle accident circumstances.

She sued the at-fault driver for reckless driving and negligence. The pair agreed to settle the matter for $495,000.

We Can Help You Get a Car Accident Settlement From an Insurance Company

Regardless of the complexity of your case or the severity of your injuries, you can rest assured that the Chicago car accident attorneys at Rosenfeld Injury Lawyers will take the steps necessary to ensure the full value of your case is achieved via settlement or litigation.

Contact our office today for a free evaluation of your Illinois auto accident case.

Every car accident attorney in our law firm works on a contingency fee basis, so there is only a legal fee charged if we obtain financial recovery for you. Call us today to get the process started: 888-424-5757.

Client Reviews
Jonathan Rosenfeld was professionally objective, timely, and knowledgeable. Also, his advice was extremely effective regarding my case. In addition, Jonathan was understanding and patient pertaining to any of my questions or concerns. I was very happy with the end result and I highly recommend Jonathan Rosenfeld. Michonne Proulx
Extremely impressed with this law firm. They took control of a bad motorcycle crash that left my uncle seriously injured. Without any guarantee of a financial recovery, they went out and hired accident investigators and engineers to help prove how the accident happened. I am grateful that they worked on a contingency fee basis as there was no way we could have paid for these services on our own. Ethan Armstrong
This lawyer really helped me get compensation for my motorcycle accident case. I know there is no way that I could have gotten anywhere near the amount that Mr. Rosenfeld was able to get to settle my case. Thank you. Daniel Kaim
Jonathan helped my family heal and get compensation after our child was suffered a life threatening injury at daycare. He was sympathetic and in constant contact with us letting us know all he knew every step of the way. We were so blessed to find Jonathan! Giulia
Jonathan did a great job helping my family navigate through a lengthy lawsuit involving my grandmother's death in a nursing home. Through every step of the case, Jonathan kept my family informed of the progression of the case. Although our case eventually settled at a mediation, I really was impressed at how well prepared Jonathan was to take the case to trial. Lisa