How Long Does It Take the Insurance Company Take to Respond to a Demand Letter?

letter How long does it take for an injury company to respond to a demand letter in a personal injury case? It depends on the jurisdiction, the size of the case, the complexity of the medicine of the injuries, and whether there is a dispute about who is responsible for the crash.

It also relies on the insurance firm. Certain insurers provide a prompt reply to a request letter faster than others.

What is the Timeframe for an Insurance Adjuster to Reply?

In states where the law does not impose a significant penalty when an insurance adjuster simply ignores a demand letter, they still have an obligation to communicate with the victim within 30 days or some other specified period. However, in most states, the insurance adjuster has no obligation to respond to your demand letter.

Our attorneys will initiate legal proceedings if an insurance firm fails to promptly reply to our formal request. Expressing dissatisfaction about the duration it takes to receive an offer signals your strong desire to reach a settlement. Demonstrating vulnerability by expressing dissatisfaction about the time it takes to receive an offer reveals your weakness. Their objective is to minimize the amount they pay you. The insurance adjuster is not striving to exercise fairness in their dealings with you and, in general, is not bound to act fairly.

The Duration Insurance Companies Require to Address Requests.

In order to address the demand packages, individual insurance firms undertake an analysis of 110 cases at Miller & Zois to determine the length of time required to answer the question.

The time it took them to respond with our demand package, in comparison to their initial offer time, was submitted to the insurance company by our lawyers and was analyzed by the insurance company. The chart below demonstrates personal injury claims that were handled by our firm.

We did not include cases where our client became tired of waiting for the insurance company and instructed us to file suit.

Ins. Comp. No. Cases Avg. (Days) Shortest (Days) Longest (Days)
Allstate 10 65 25 160
Erie 10 86 6 189
GEICO 29 52 5 200
Liberty Mutual 4 68 34 128
Maryland Auto Insurance 3 77 42 116
Nationwide 14 78 10 230
Progressive 4 30 8 61
State Farm 20 67 15 187
Travelers 5 41 20 58
USAA 11 45 11 143
Total 110 61
Total Most Common Providers 26 56
Ins. Comp. No. Cases Avg. (Days) Shortest (Days) Longest (Days)
AAA Insurance 1 92
AAA MidAtlantic 1 75
Agency Ins. Co. 1 21
AIC 2 18 13 23
Ameriprize 1 14
Auto Injury Solutions 1 18
BGE Comp. 1 94
Brethren 2 81 67 95
Elephant 1 106
ESIS 1 59
Esurance 1 17
Encompass 1 49
Farmers Ins. 1 17
GAIG 1 55
Harleysville 1 5
Hartford 3 38 18 62
James River Ins. Co. 1 98
Mac Risk Mgt. 1 87
National General Ins. 1 112
Net. Adj. 1 35
Safeco 1 27
State Nat. 1 105

The timeline chart demonstrates that the average response time from the insurance companies, which deal with the majority of claims, is approximately two months.

Our primary goal is to maximize the value of your claim. Our second goal is to quickly reach a settlement. However, we cannot advance the case at a speed that compromises the value of the case. We always want to settle every car accident case as quickly as possible. Our lawyers always strive to push the insurance company for a swift resolution.

Reliable data can be obtained with a sampling of thousands in individual cases, taking into consideration the factor at play, especially when the standard deviation is small. It is important to note that this study has its own limitations.

Consider these response time elements: Several factors that impact the duration it requires for the insurance company to reply to our request package with their initial proposal.

  • Whether there had been previous correspondences concerning the patient’s injuries and medical expenses.
  • How the extent of medical expenses compares to the coverage limits for the driver responsible for the accident.
  • The quantity and intricacy of the medical documents and invoices.
  • Whether the customer has had any prior incidents and/or medical care.
  • Internal situations within the insurance firm, like the workload of the adjuster.
  • The amount of the insurance policy in question.
  • That accelerates the procedure. The claims adjuster can set aside their writing instrument when the worth of the claim surpasses $30,000. This implies that when an insurance company such as Progressive generally issues compact policies that solely insure the state minimum of $30,000 per claim, the magnitude of the insurance policy plays a significant role. The final element is a major determinant.

    Insurance companies that specialize in writing extensive commercial policies – such as Travelers, Chubb, or Brethren – will require additional time to assess larger-scale cases. Legal professionals handling substantial cases often face bureaucratic procedures. The more one has to escalate the decision-making process within the company’s hierarchy to obtain approval for evaluating a case, the larger the claim tends to be. Due to this reason, it takes more time for trucking insurers compared to passenger car insurance companies.

  • Why is it taking such a considerable amount of time to receive a settlement payment?
  • How to compose a request letter, including example requests in various categories of personal harm situations.
  • How to determine the compensation amount of your claim.
  • How Can I Speed Up the Process of Receiving My Settlement Money?

    Is there a faster path to getting a settlement? Instead of complaining adamantly about the long time it is taking to receive the settlement offer, why not try calling the adjuster every day and becoming a squeaky wheel? Additionally, sending a demand letter may result in a quicker response.

    There is simply one problem, and that is you really want to settle your case and go to trial without having any willingness to adjust, as you are telling the adjuster.

    It is important to have a lawyer with a successful track record in serious cases in order to file a lawsuit, as it reflects a perceived weakness in your willingness to settle and the adjusters’ offer settlement smells of blood.

    The insurance assessor may have concerns regarding the driver’s policy limits and legal liability. However, unless the injuries are significant and the medical expenses are substantial at the onset of the claim, gradually submitting records and bills does not expedite the settlement offer. Moreover.

    What is the duration for resolving an automobile accident insurance claim?

    The time it takes to fully resolve an auto accident insurance claim varies significantly depending on whether it involves personal injuries or just property damage. If the claim is limited to property damage to the vehicle (without any injuries), it should be resolved within 6-8 weeks. However, if you are claiming personal injuries related to the accident, it may take around 8 to 16 months to resolve the claim.

    What is the appropriate response time for an insurance company to reply to a demand letter in a car accident claim?

    Based on our study, it takes an average of about two months to receive a response from an insurance company after you send them a demand letter in an auto accident case.

    Which insurance provider takes the longest time to respond to demand letters in accident cases?

    Erie Insurance, in terms of responding to demand letters, exhibited a sluggishness in their approach. In our internal analysis of more than 100 individual auto accident cases, Erie Insurance had the most delayed average response time. When it came to our demand letter, Erie took an average of 86 days to provide a response, as observed in a subset of 10 cases. The quickest response time from Erie was 6 days, while the longest stretched to 6 months.

    Which Insurance Company Responds the quickest to Demand Letters in Auto Accident Cases?

    In a sample of four cases, Progressive took an average of 30 days to respond to our demand letter. Our analysis of over 100 auto accident claims indicated that Progressive had the shortest average response time for demand letters. Progressive, a company we dislike working with, might be the quickest in responding to a demand letter.

    Progressive is more likely to deal with claims that can be resolved much faster, which means there may be a policy limit in place. One possible explanation is that Progressive tends to write insurance policies with limits under $50,000. Before we begin congratulating Progressive.

    In a span of 30 days, occasionally our attorneys receive a settlement proposal from State Farm. This research implies that State Farm is likely to react more promptly in the year 2021.

    How Can I Increase the Speed of the Response to My Demand Letter?

    Your only practical option is to start contacting them regularly until they respond.

    If you have been hurt in a traffic accident and need a lawyer, find out if Zois & Miller are the best lawyers for you. Call 8082-355-0081-1 to get a free online consultation with an attorney who specializes in handling these claims. They have a track record of success and experience, and they have the resources you need to speak with a car accident attorney with no obligation.