In New York state insurance companies must settle a claim within 35 days
of the claim being filed. If your claim is approved, they should offer
you a settlement at the end of those 35 days, at which point you will
have the opportunity to either accept or reject the settlement offer.
If you accept the settlement you will not be able to pursue legal action
against the insurance company for that claim. If you choose to reject
the settlement, you will need to contact a lawyer and take the insurance
company to court if you want to pursue further compensation.