This will depend in part on when you report the injury. You should report an injury as soon as possible to start the claims process. The insurer must decide whether to approve or deny your claim within a reasonable period, and some states provide a fixed deadline within which the insurer must reach a decision. (It may be able to ask for an extension if needed.) This deadline is often about 30 days after the claim is filed. If the insurer fails to comply with the deadline, your claim may be considered automatically approved, or the insurer may be on the hook for penalties. To be on the safe side, though, you should contact the insurer if you do not get a decision on your claim within a reasonable time.