Can I Claim On My Car Insurance For A Dent – The question of how long does a car insurance claim take to settle is not a simple or cut-and-paste answer. It takes a team to handle insurance issues; they don’t trust a person. There will be a process during which you will need to answer questions, the repairmen will go over the claim, the body shop will work with you and the insurance company, and more.

With a whole group of people involved in fixing your request, getting the job done can be a time-consuming process. If any one party (including you) does not cooperate, the whole process can happen. Let’s examine the elements that go into choosing your complaint, and why, without proper teamwork, your claim may drag on longer than it should.

Can I Claim On My Car Insurance For A Dent

Can I Claim On My Car Insurance For A Dent

The first question you should ask yourself is not “How long does a car insurance claim take to settle?” It’s really, “Should I file a claim at all?” According to the White Balance, there are certain circumstances under which you should not file. For example, if you have any doubts about who is responsible, file a claim. If your insurance policy says you need to notify them, by all means, do so.

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On the other hand, if the accident involved just you and your husband, there was no damage to property or other people, and the damage seems minor, you may want to get a repair estimate first. You may be able to pay repairs out of pocket and not get a hit on your insurance rates.

Besides general liability, collision, and comprehensive insurance, there are many other types of claims you can make, some of which can save you money without taking a full hit to your rates. According to Overett Group Lawyers, these include things like:

Of these, roadside assistance insurance is usually very easy to pay for and is generally not very expensive. In fact, some insurance companies offer these without any out-of-pocket expenses as a complimentary service. Usually, if you need to make a refund for these, it takes about a week, from five to eight business days, for the check to arrive.

Glass claims, as well, can often be handled quickly and sometimes without deduction. Usually, after filing a claim, your glass repair can be scheduled within a week or less if you need factory OEM glass. Regardless, it’s generally a fast signup.

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Physical damage and medical claims can take a little longer because they can be more complex. In a physical damage claim, the required time frame depends on the extent of the damage. Usually, you will hear from the insurance adjuster within three days of making the claim to discuss the issues. If they need to investigate the damage, it could be a few more days.

If you use a repair garage that is associated with (or at least approved by) your insurance company, the process can be a little faster. Most simple cases will take between one and two weeks to resolve. More complex cases can take weeks or longer, including delays in scheduling and the time your car is in the shop. You can, of course, continue to drive your car, if you can drive, until the repair is complete.

Medical claims can take a long time to process, depending on how complex the claim is. After completing the first claim documents, you go to the hospital and doctors, who will work directly with the insurance company and call the adjuster to handle the case. If your health care provider already provides coverage, that will require a separate claim (usually filed by your health care provider) to recover expenses. This will, of course, reduce the amount you get back.

Can I Claim On My Car Insurance For A Dent

As points out, the insurer really wants to get your claim resolved as quickly as they can. Generally, this means that they will have a goal to have the claim settled and paid within 30 days of filing. This, however, is not a rigid or stable requirement. Of course they will do their best to get you posted as quickly as they can because the insurance company is a business and they don’t make money by pulling complicated claims.

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Each state law has mandated enrollment periods for auto insurance policies. This is not the same as the time allowed to settle or pay a claim. This is the amount of time you have to actually file the original documents. As always, the sooner you file, the more likely it is that your claim will be dealt with quickly.

Likewise, every insurance company has a different policy for how long they accept claims. Always be aware of the transition period in your insurance coverage, which can be very different from what the state requires. If it is too late, your supervisor may deny your claim.

Finally, as Rodriguez Law points out, personal injuries often create more complications in a claim, and while you can file quickly, the possibility of physical injury can certainly lengthen the paperwork involved, the registration request, and the back-and-forth required to resolve the claim. Property damage, in comparison, is very cut and dry, with obvious expenses that are easy to quantify and resolve.

According to, the answer to the question “How long does a car insurance claim take to settle?” depends on a number of factors, but the most important, if it comes down to how clear-cut the claims. If the damages are visible, easy to quantify, involve only property, and the person at fault is clear, claims can be resolved quickly.

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Claims involving medical damages and personal injury, on the other hand, can take several months or more to settle, with some of the most difficult cases taking years. Some times it doesn’t work. In the end, choosing your case is very important of being patient and working with, rather than against, the other parties involved in choosing your case. That’s your best bet for sorting out issues as quickly as possible.

Hearst Autos Research, produced independently of the Car and Driver Editorial staff, provides articles about the cars and auto industry to help readers make informed purchasing choices.

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Written by: Daniel Robinson, Written by: Daniel Robinson Author Daniel is the Group Editor of Guides and has written for numerous automotive news websites and marketing agencies across the US, UK, and Australia, Specializing in auto finance and car maintenance topics. Daniel is the group’s authority on auto insurance, loans, warranty options, auto services and more.

Edited by: Rashawn Mitchner, Edited by: Rashawn Mitchner Managing Editor Rashawn Mitchner is a Guides team editor with more than 10 years of experience covering personal finance and insurance topics.

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Can I Claim On My Car Insurance For A Dent

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