How long it will take to recover compensation after a car accident is unique in each case, often due to its complexity, whether fault is disputed, and the severity of your injuries. In the best-case scenario, the insurance company will settle your claim within 30 days. However, here is an alternative timeline to give you a general idea of how long a case can take:
THE FIRST SIX MONTHS
If you are severely injured, the first six months are often dedicated to recovering. Your attorney will advise you not to settle your case until you recover or reach maximum medical improvement (MMI). That way, you understand the full extent of your physical limitations, related losses, and the impact on your future. During this time, your lawyer will investigate to determine which parties are liable and gather evidence to support your claim. Once you heal, your attorney will carefully draft and send a demand letter to the at-fault party’s insurance company to begin negotiations.
MONTHS SIX TO 12
If you cannot reach an agreement with the insurance company, you and your attorney may choose to file a lawsuit. In St. Louis, you typically have five years from the date of the accident to file suit under the state’s statute of limitations law. Keep in mind that your case can still settle at any point, even once trial has begun, and oftentimes, filing the lawsuit is enough to prompt the insurer to resolve the case.
MONTHS 12 TO 18
The discovery portion of your lawsuit will begin, which takes up the majority of the process. Both sides to the lawsuit will often send interrogatories, take depositions, hire expert witnesses for trial, and the defense (at-fault party) may request an independent medical examination.
MONTHS 18 TO 24 AND BEYOND
The remaining time will involve further negotiations, possibly mediation, and trial if necessary. A trial can take anywhere from a few days to several months to complete. If you are awarded compensation, it will often be dispersed to your attorney within 30 days of successful mediation or a favorable verdict.