If you’ve had the misfortune to be a victim of an accident, one that has injured in a serious capacity, one of the main questions on your mind will probably be “When can I expect to get my insurance money?”

There are many factors that can influence that, so the time needed to settle a claim is not the same for every case. In fact, it can vary from just a few weeks to even a few years, depending on who was involved, how clear the case is and whether or not the accused person admits guilt. Let’s dive a bit deeper into this topic, shall we?


Reaching a settlement means that all parties involved in the process have agreed on the amount that will be paid to the claimant. This can be done through a court trial, or the two sides can come to an agreement on their own. In either case, you should expect the compensation to arrive within two to four weeks after the date of the settlement.

Of course, if you are the claimant, you are full within your rights if you want to accept the first offer that comes your way to speed things along. Do keep in mind, however, that the first offer is usually significantly lower than what you can end up getting, so if you have a personal injury lawyer, they can help you negotiate a better deal and help you with your claim altogether. 

What can affect the duration of a claim?

So, one way or another, your claim will eventuall be settled, but how much time passes before that depends on the case. The type of injury the claimant suffers is one of the main factors, but the type of accident also plays a role. For example, if we’re talking about a medical negligence case, it can take up to a couple of years to conclude it, whereas a road traffic accident claim can be concluded in a few months.

Your best-case scenario is that the party that has caused the accident is identified and willing to admit guilt. In that case, there is no need to go to court and everything can be resolved quickly, provided that the defendant (and their insurance) are willing to offer a reasonable amount.

Also, keep in mind that for most injuries you have to file a claim within three years after the accident happens. After that, you may lose your right to receive damages. So, don’t delay this if you don’t have to and hire a solicitor as soon as possible. That way, they will also have more time to prepare for your case.

The bottom line is that you shouldn’t expect to receive your settlement in a matter of days. These cases can take some time, especially if the other side is not willing to admit any guilt. A personal injury lawyer will help your chances of winning the case and save you a lot of time and effort.