If you agree to pay a lump sum (the most common type), the insurance company will generally send you the check for the full amount within 30 days of the date you settle the claim. The insurance company usually has around 30 days to investigate your claim. The auto insurance claim process can be resolved in as little as a few weeks or as long as a few months. However, the time frame for the insurance claim depends on the insurer, the state, and the type of claim.
How long it takes to repair other physical damage to your vehicle depends on the complexity of the claim being filed. Typically, you will receive the first contact with the insurance adjuster within one to three days of submitting the claim. If an appraiser needs to review the damage, it can take a couple more days. Using an insurance company-approved body shop can speed up the process.
An unprocessed physical damage claim is expected to take one to two weeks to process. This includes coordinating with an auto body shop and scheduling repairs. If your car can be driven, you can drive it until the repair date.
