After filing an auto insurance claim, drivers in Indiana commonly ask, "How long will it take to settle a claim?" It depends on the type of claim and the specific facts involved in each case. However, there are a few trends that we at Irvington Insurance, serving Indianapolis, IN, have noticed that can give you a general idea of what to expect.

Starting the Claim

In Indiana, drivers are required to file a report if someone is injured or killed or if there is at least $1,000 in property damage. The policyholder then files a notice to their insurance company, which sends out an adjuster. The adjuster reviews the police report, photographs and statements. Next comes the part where the vehicle needs to be inspected. An insurance representative will come out, survey the damage and speak with the repair. shop. Repairs made under collision coverage can progress quickly after the estimate is approved.

Factors That Affect Timing

There are several reasons injury claims take longer to resolve. Medical records must be obtained and reviewed along with past and possibly ongoing treatment. If there is a dispute over who was at fault, then the insurance company will do more investigation. Indiana has a modified comparative fault rule (you cannot recover if you are more than 50 percent at fault) that will also impact a claim. Totaled vehicles require valuation of the vehicle. Additionally, if there is a lienholder on the vehicle, your settlement will first pay off the lienholder.

Many Indiana claims settle within weeks when documents are complete. It makes sense to ensure that all documentation is in order, so that your claim can be processed as quickly as possible. Your agent at Irvington Insurance, serving Indianapolis, IN, can help. Contact us today.