After any accident with damage, adjusters or appraisers for all involved vehicles will normally examine the vehicle. If they determine that the vehicle is totaled, usually this means when the cost to repair is greater than the market value, you should expect an offer from the auto insurance company within a few days. In Georgia, once you accept a payment offer for a totaled vehicle, you should expect to receive a check within a few days. Keep in mind that if the at-fault driver’s insurance company has been paying for a rental car, they will no longer be required to pay for your rental after a settlement offer has been accepted, therefore, you will need to begin shopping for a new or used car immediately.
In our experience, the usual time it takes to receive payment for a total loss is in the range of two or three days up to two weeks.