There is no specific amount of time it takes to settle car accident claims in Des Moines. How long it takes to settle a car accident claim depends upon numerous factors, which adds a lot of variability to timeframes. A simple, straightforward case with no injuries might settle in under a month, whereas a serious or highly contentious case might take a year or more.
Factors that Affect Settling a Car Accident Claim
There is no one-size-fits-all claim completion schedule; each has its own unique circumstances and potential speed bumps. Below are a few of the factors that can affect how long a claim might take.
- Seriousness of injuries: When there is a serious or catastrophic injury involved, claims can take much longer. The case will not settle until there is a clear picture of the extent of the injuries. Doctors need time to assess the overall expected impact the injury will have on the victim’s life.
- Fault is argued: In situations where fault and negligence are being argued, it may take some time for the parties to reach a settlement.
- Extensive damages: Claims that have a high value will take longer to settle. Insurers may try to argue their way out of having to pay large settlements by either trying to refute your injuries, minimize their severity, or apportion blame to you.
- Complexity: If there are multiple parties involved, or if there is also a third-party claim such as for a car manufacturer, the case can take longer than average..
Speeding along Your Claim
Much of the claims process is out of your hands, but there are several things you may be able to do to speed along the settlement. First and foremost: be diligent and timely. When your attorney asks you for information, provide it as soon as possible.
You can also do a lot of the footwork involved in a claim to assist your attorney. For instance, you can collect the police report, your medical records and bills, and any other required documents on your own and share them with your lawyer.
Making Ends Meet in the Interim
If you are injured and not able to return to work, it’s quite understandable to want to rush to settlement. Rushing and signing the first settlement that comes your way isn’t advisable, though, because you’ll often get far less than what your claim is actually worth.
To make ends meet while awaiting your claim to settle, you might talk to family or friends for a personal loan. You can use what resources you may have available such as savings, disability insurance, or public assistance. As a last ditch effort, you might consider personal injury lawsuit funding. You can speak to your lawyer about what that type of funding entails.
Get a Free Legal Consult with a Car Accident Lawyer in Des Moines
If you don’t have an attorney, you should know that having legal representation may benefit you as you work toward a settlement. Car accident victims who have lawyers get much larger settlements, with the added benefit of having a professional legal confidante throughout each step of the legal process.