It is difficult to predict exact time it'll take but, generally speaking, when both parties are denying liability and one has an alibi that needs to be verified, the process may take several months. It is not in the insurer's interest to settle against their client and they will do what they can to defend him, since denying claims is how they make their money. There are certain things you can do to speed up the process.


1) Contact your claims adjuster on a regular basis. Don't sit back and wait for your insurance settlement. Claims adjusters typically handle hundreds of claims. Letting your adjuster know that you are on top of things by contacting them on a regular basis makes it more likely that your file will end up on the top of their pile.

2) Demand better service. If you are having difficulty with the adjuster, ask to speak with their supervisor. Most insurance settlements must go through the insurance company's legal department, which can take some time, depending on the complexity of your settlement. Although a claims adjuster can't usually tell company attorneys to "hurry things up," he or she should be able to "manage" the process. If you feel that you're getting the run-a-round, talk to a supervisor.

3) Retain an Attorney. An attorney can help force the issue by speeding up negotiations. The attorney may be able to write a final settlement letter to encourage the company to work more diligently on your claim at the threat of legal action. Additionally, an attorney will know when to end negotiations and file a lawsuit.