Most of the time it depends on how badly you are injured, and the amount of the available insurance policy limits. If you are seriously hurt, and the available policy limits are small, you will likely get a faster settlement. This is because, in states like Florida, the insurance company faces pressure to pay. If the insurance company does not pay when it could and should, it may owe more than the policy limits. Insurance companies do not like to pay above the limits. If you have injuries that are worth more than the policy limits, you could get a settlement in just one or two months. However, you (or your lawyer) also need to make sure that you know how much you may owe your medical providers and/or health insurance company. Figuring this out may add additional time to any settlement. On the other hand, if you have a small injury, and the available insurance policy limits are high, then the case will usually take longer to settle. In this instance, you'll likely need to wait to settle until you have finished your medical treatment.