Length Of Time To Settle An Insurance Claim 

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Settling An Insurance Claim

If you want to make a compensation claim, you may be concerned about the length of time that it will take to settle your claim. There are lots of different factors that come into the length of time it takes for a compensation claim to be settled. However, the easiest one to pin down for a specific amount of time is the insurer’s part of the claim. 

This is because there are specific legal protocols that are put in place to ensure that an insurer responds to a claimants’ claim within a specific time frame.  

If you would like to find out more about making a personal injury claim, speak to First Personal Injury today. 

To assess your claim, contact us on 0800 808 9740 or online. 

Pre-Action Protocols 

Pre-action protocols explain the conduct and expectations that the courts want both parties to have taken prior to the commencement of the legal proceedings at court level.  

The maximum amount of time that is allowed for insurance companies to do a requested action is three months and 21 days. This amount of time is broken down through:  

  • The claimant’s solicitor submits a letter to the defendant that discusses the details of the claim. An initial response from the defendant to this letter must be submitted within 21 days. 
  • The defendant then has three months to investigate the nature of the claim and respond. The response to this claim must include a decision on whether they admit liability. If they do not admit liability, their response must include a disclosure document which details their defence against the claim being made. 

If the insurance company fails to provide a response by the time limit, an application to the court for a pre-action disclosure can be made. 

Furthermore, there are other factors to take into account which can influence how quickly something is being settled. For example: 

  • If the liability for the accident is clear and unequivocal.  
  • The injuries related to the accident are minor and there will be no permanent impairment, such as a disability or brain damage.  

More complex cases which involve arguing over liability or disputing the compensation amounts will take longer to solve. The defendant could also request further medical evidence. 

Making Personal Injury Claims 

If you have suffered a personal injury, you may be entitled to receive compensation. First Personal Injury solicitors are available to assist you and ensure that you win the compensation that you deserve. 

First Personal Injury works with both families and individuals across England and Wales, leading them on their legal journey and helping them claim compensation after an accident or injury. Contact our specialist team to begin the process, either by phone on 0800 808 9740 or through our online form. 

Have you been in an accident recently? Call us on 0800 808 9740 or make a claim here.

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