The time it takes to achieve a personal injury settlement varies from case to case, as it depends on a variety of factors. Many times, it is simply up to the insurance company involved and how complicated your case is. First, your attorney at Gordon & Gordon must go through all of your medical records. Next, they will finalize a draft and send it to the appropriate parties. Once the demand letter is sent, it usually takes the insurance company anywhere from 20-60 days to respond. If they accept the demand letter, you can proceed to settle and receive the damages you asked for.