How Long Does a Car Accident Settlement Take?

Simple cases — minor injuries, clear liability, cooperative insurer — can settle in weeks to a few months. Complex cases can take one to three years.

The biggest factor is your medical treatment. Attorneys generally advise waiting until Maximum Medical Improvement (MMI) before settling.

The claims process includes: reporting the accident, investigation, treatment, demand letter, negotiation, and potentially litigation.

You can speed things up by responding to insurer requests promptly and keeping your attorney updated on your treatment progress.

Never rush to accept the first offer. Signing a release means you cannot seek more compensation later.