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How Long Does it take for a Car Insurance Company to Pay out a Claim?

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Feb, 01
car accident fort myers

If you have had an accident or an incident where you need to file an insurance claim you are likely wondering just how long it will take for you to get a check so that you can replace or repair your possessions.


In Florida acknowledgment of all claims must happen within 15 days. The company is required to accept or deny the claim within 40 days of receiving proof of the claim. If accepted, payment must be made within 30 calendar days of the settlement agreement.

If there is an issue or question with a claim an adjuster will contact you for more information. If your initial claim is denied you may want to review your claim for inaccuracies, errors, or left out information and try to resubmit.

Here are the most common reasons insurance claims may be delayed or are rejected and how to avoid them:

Not reporting the incident in a timely manner. Policies vary but it’s best to report an accident at the time it happens. If you wait too long, it could be denied solely on the time factor.

Non Payment of premiums – Missing just one payment can result in a suspension of benefits. If your policy is suspended when an accident occurs, the insurer bears no liability.

You failed to purchase adequate coverage – If you carry only state minimum insurance levels you may very well be on the hook for balances due if you cause an accident.

DUI – Auto insurers do not have to pay claims if the driver was inebriated at the time of the accident.

You are an excluded driver – if you aren’t named on the policy and you are driving, you may not be covered.

You failed to get medical attention within the 14-day timespan. In Florida, you only have 2 weeks to seek medical attention if you are going to use your PIP (personal injury protection) insurance. After that, you are on your own or have to sue the other driver if they are at fault to get your medical bills paid.

The liability is being disputed – If there is a disagreement about who was at fault, the claim may be up for dismissal.

Always exchange information at the scene of the accident. Make sure that you get the insurance card, license plate number, and registration. Take photos of both cars and the scene. Additionally make sure you have the other driver’s name, address, and phone number as well as email if possible.

If there are any witnesses get their information too. You cant turn in too much information!

For more advice and for the most comprehensive car insurance policies at the best prices in Southwest Florida give Centennial Insurance Services a call today at 239-247-5125 or visit online www.cisinsfl.com. Personalized service and attention and 20+ years serving our fellow Floridians.