You are here:

Auto Insurance Claims/Claims Turnaround time


What is a turnaround time (date reported to final settlement made) , as per State or Federal law, for Any Auto or Homeowners claim? Is there a timeline set for Insurance companies to close the claim in a specified timeframe?

Hi Anand,

In most states an insurance company is required to respond to the initial claim within 30 days. However, that is just to respond. If the insurance company feels there are circumstances that require longer investigation, they can do so provided they notify you in writing. There is no specific time limit on settling the claim. As long as they have legitimate reason to continue investigating and provide you notification, it can continue for some time. In the case of a stolen car, the standard it typically 60 days. This is to provide enough time for the police to attempt to locate the vehicle. If you feel the insurance company is being unreasonable, you can file a complaint with your state insurance commissioners office or speak with an attorney.

I hope this helps
Richard Hixenbaugh  

Auto Insurance Claims

All Answers

Answers by Expert:

Ask Experts


Richard Hixenbaugh


Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.


I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Society of Certified Auto Appraisers

Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

©2017 All rights reserved.