How Long Does It Take to Settle a Car Accident Claim in Kentucky?

Car accidents in Kentucky are overwhelming and stressful for everyone involved. While you are focused on recovering from any injuries and dealing with other losses, it is crucial to understand how to settle a car accident claim. This knowledge can help you protect your rights and fight for fair compensation. If you’re not at fault for the accident, there’s no reason you should be left with all of the expenses.

We are here to help you work through this challenging time. Call John H. Ruby & Associates at 502-895-2626 to set up a time to meet with our team now.

Factors Affecting Settlement Time

There are many factors that can influence how long you need to settle your car accident claim in Kentucky. The severity of the accident and the extent of injuries are major considerations. More serious accidents, particularly those involving significant injuries, often take longer to settle, since your care team needs more time to figure out your future medical care needs and expenses.

The complexity of the case is another important factor. If the details of the accident are straightforward and there are no arguments over who was at fault, the claim might be resolved relatively quickly. But if the parties cannot agree on who is liable for the crash, you have a long way to go before any settlement is possible.

Insurance company procedures also play a role. Different companies have their own processes and timelines for handling claims. Additionally, if multiple parties or vehicles are involved, this can significantly drag out the settlement process.

The availability of evidence and documentation can impact the timeline. Gathering all necessary documents like medical records, police reports, and witness statements right away can speed up the process and save you some time.

Typical Timeframe for Settlements

The time it takes to settle a car accident claim varies from person to person—no two accidents are quite the same. Consider, as an example, a simple claim where one party rear-ended another car at a stoplight. Both parties agree the light was red and that the front car didn’t cut off the rear car. These crashes happen hundreds of times per day, so the at-fault driver’s insurance is likely to agree to a quick settlement to wrap it up and move on. This could take just a matter of weeks. But if you’re dealing with a multi-vehicle pileup where liability is split amongst multiple parties, it could be months or over a year before you get closure.

Steps to Speed Up the Process

Being proactive about your accident claim can help you get results a little more quickly. This is a top priority for many victims, as the bills don’t stop coming in just because you’re injured and out of work. First, gather all the necessary evidence as soon as possible. This includes photographs of the accident scene, medical reports, and witness statements. Your attorney will gather additional evidence as needed, but the more you have ready to go, the easier it is for them to start building your claim.

Next, maintain clear and consistent communication with your attorney and your own insurance company. If they request more information or documentation from you, provide it right away and verify that it’s both accurate and complete. Missed forms or mistakes can cause unnecessary delays.

You should also prioritize your medical care during this time. If you ignore appointments or fail to follow through on your medical care, the other party’s insurance company may use that to push back on your settlement. If they have any leeway to claim that you are at fault for the accident or failing to mitigate your injuries by seeking treatment, they will do so every single time.

Finally, let the process play out through legal channels. Don’t take your issue to social media or the news. Bringing in outside parties causes more delays. Your attorney knows how to work around insurance companies’ tactics and tricks, so let them handle the legal side of your accident.

Discuss Your Legal Options with John H. Ruby & Associates

When you’re ready to seek compensation, our team is here to help you. Schedule your compensation online or call us at 502-895-2626.