Once you file an insurance claim, there’s a period of wait before knowing your fate. Most car accident victims wonder what goes on behind the scenes as an insurance company evaluates their claim.
Usually, insurance companies investigate claims to confirm the accuracy of the incident and related evidence. However, insurers should not take too long to process a claim, especially if it risks missing the statute of limitations for your claim.
Understanding the timelines after filing an insurance claim can give you peace of mind and provide vital insights to manage your expectations.
If you’re not sure about the progress of your claim, consider engaging a trusted car accident attorney who can provide legal guidance and speed up the process.
How Long Does an Insurance Company Have to Investigate a Claim in California?
The time frame to investigate a claim depends on several issues, including the type of claim, the settlement amount, the difficulty of obtaining evidence, and applicable laws in the state. However, most insurers strive to complete the investigations within a reasonable time, as state insurance regulations require.
The law allows insurers to request an extension if they need more time to conduct a thorough investigation. At the end of the investigation, an insurer can either reject or accept the insurance claim. Then, an insurance adjuster tables the initial settlement amount.
You can protect your interest by hiring an experienced car accident attorney who can handle all communications with the insurance company during the claim investigations.
What Is an Insurance Company’s Claim Investigation Process?
The investigation process commences soon after filing an insurance claim. Insurance companies hire an auditor or a legal professional to protect the interests of their operations.
When an insurance company commences investigations, expect them to probe you on what happened. They may also ask you follow-up questions.
Besides what you provided in the claim form, an insurance adjuster may request additional information, including:
- Images that you captured at the scene
- Copies of your medical bills and records
- A consent to investigate your medical records
- A copy of the police report, if available
The investigator will gather additional information by interviewing witnesses at the incident scene. They may also compile physical evidence at the scene of the incident. An investigator will also be interested in seeing any vehicle involved at the incident scene.
For a significant loss, an insurance company can hire a claim or loss adjuster to investigate the claim. A claim adjuster will investigate the cause of the incident and establish whether your insurance cover caters for the related loss.
If you’re dealing with a personal injury, disclosing complete information about your medical damages will enhance your chances of a fair settlement.
Speak to an Experienced Car Accident Attorney to Enhance Your Chances of Success
If you’ve sustained an injury in a car accident, you deserve compensation to enhance your recovery. Unfortunately, an investigation-related delay can lead to additional pain and suffering.Consider hiring an experienced attorney from The Barnes Firm with a proven track record of representing clients. Contact us online or at (800) 800-0000 for a free case evaluation.
Written by The Barnes Firm, reviewed by Richard Barnes
Rich Barnes
President
Richard Barnes – President of The Barnes Firm
Richard Barnes: “As President of The Barnes Firm, I have dedicated my career to achieving justice in hundreds of cases for the victims of injuries caused through the fault of others. Additionally, I have been honored to have been elected Best Lawyer and a Super Lawyer”
Years of Experience: 30+ years
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