If I am not at fault, how long will it take to settle a car accident claim?

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Question:

I got into a car accident about two weeks ago when another car rear-ended me. If I am not at fault, how long will it take to settle a car accident claim? I really need to get a new car and I can’t wait too long.

Answer:

The length of time it will take you to settle your car accident claim is completely dependent on the situation. If liability is not contested, the process of settling your claim is generally much shorter. You will need to speak with your insurance company and have them send an underwriter to assess the damages to your vehicle- some insurance companies will do this within days or weeks of the accident, others take longer. Once your insurance company sends an underwriter to access the damage, he will then make a recommendation as far as whether the car should be repaired or declared a total loss. At that point, your insurance company will either issue a check for the cost of the repairs- directly to the repair shop in most cases- or will take additional steps to determine the fair market value of the car. Even if liability is not an issue, this process can take several weeks. If liability is an issue, however, it may take longer as your insurer will need to negotiate with the other insurance company and determine who is responsible for payment. To get specific information in your situation, you should consult with an experienced car accident attorney and/or with your insurance company.

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