FREE CONSULTATION (314) 361-4242

How Long Does It Take to Get Settlement Money from a Car Accident?

Settlements from car accidents typically take a few months to a year, but complex cases can take longer.


You’ve been in a car accident. Amid the stress, injuries, and vehicle damage, you’ve filed a claim, hoping for a car accident settlement to cover your losses. The pressing question in your mind now is, “How long does it take to get settlement money from a car accident?” The journey from accident to settlement is not always straightforward, but we’re here to shed light on the process. For personalized guidance, don’t hesitate to give us a call to speak with a St. Louis car accident lawyer at The Hoffmann Law Firm.

The Process of Getting Settlement Money

  1. Immediate Aftermath of the Accident: After an accident, your primary concern should be your safety and well-being. Seek medical attention immediately, even if your injuries seem minor. Some injuries might not show symptoms immediately but can have lasting effects if not treated. Also, medical records can serve as evidence in your claim.
  2. Filing a Claim: Once you’re safe, file a claim with the at-fault driver’s insurance company. This starts the ball rolling on your potential settlement.
  3. Investigation Phase: The insurance company reviews your claim. They will investigate the accident, check police reports, speak to witnesses, and possibly review medical records. This phase can take a few weeks to several months.
  4. Negotiations: Once the insurance company has all the information, they may make a settlement offer. Often, their initial offer is low. This is where having an experienced St. Louis car accident lawyer will be particularly helpful. They can negotiate on your behalf to get a fair settlement. This phase can last a few weeks to a few months.
  5. Reaching a Settlement or Going to Trial: If both parties agree on a settlement amount, the process can conclude relatively quickly. If not, the case might go to trial, which can significantly prolong the process.

Factors That Can Affect the Duration

  • Severity of Injuries: Cases with severe injuries often take longer because it’s essential to understand the long-term impact and costs of the injuries.
  • Disputed Liability: If the at-fault party disputes the liability or argues that you shared some blame, it can delay the process.
  • Amount of Settlement: Larger settlements often undergo more scrutiny and, hence, can take longer.
  • Insurance Company Tactics: Some insurance companies might delay the process hoping you’ll settle for less.

So, How Long Does It Really Take?

Given the varying factors, it’s challenging to provide a one-size-fits-all answer to “how long does it take to get settlement money from a car accident?” On average, many cases settle in a few months to a year if they don’t go to trial. However, complex cases with disputed facts can stretch this timeline.

Receiving Your Money

Once you’ve agreed on a settlement, it typically takes 2-6 weeks to receive the money. This time allows for all paperwork to be finalized and any liens or unpaid medical bills to be settled.

Why Should You Consider Speaking With an Experienced Lawyer?

A skilled car accident lawyer, especially one familiar with St. Louis regulations and practices, can be invaluable. They can:

  • Help you understand the worth of your claim.
  • Negotiate with insurance companies.
  • Guide you on gathering evidence.
  • Represent you in court if the need arises.

Your lawyer’s primary goal is to ensure you receive a fair settlement that covers all your costs and compensates you for your pain and suffering.

Speak With a St. Louis Car Accident Attorney 24/7

While the journey to receiving settlement money after a car accident can be lengthy and complicated, understanding the process can help manage expectations. Remember, each case is unique, and various factors can influence the timeline. For the best insight and support tailored to your situation, speak with a St. Louis car accident lawyer at The Hoffmann Law Firm. We have over 25 years of experience helping thousands of St. Louis car accident injury victims get fair compensation.Ready to take the next step? Secure your rights and ensure you get what you deserve. Call us 24/7 for free, personalized legal advice after a St. Louis car accident.

Free Consultation with a St. Louis Car Accident Lawyer

Don’t talk to an insurance claims adjuster before speaking with The Hoffmann Law Firm, L.L.C. We can help you avoid making statements that may affect the outcome of your case. The consultation is free; you don’t pay unless we get you money!

Free Consultation (314) 361-4242