How long does it take to get a payout after an accident?

If you have been involved in an auto accident in Maryland, you may wonder when you will receive payment from the insurance claim. This is especially concerning when your vehicle was severely damaged and you cannot drive it until it is fixed or replaced. You may not have the money on your own to do it. Unfortunately, the insurance claims process often does not move too swiftly. According to, laws do regulate the process somewhat, ensuring that the insurance company does not drag out the process any longer than necessary. However, factors can affect how quickly a payout occurs.

Most insurance companies will try to move the claims process along quickly, especially if you need repairs. Claims are often paid within 30 days. Some insurance companies may have a network of approved repair centers where you can go to get your repairs done. The repair shop then works with the insurance company to get the bill paid. If the accident is straightforward without a legal battle or other issues, then you should not have to wait too long for your claim to be paid.

On the other hand, if it is a complex case, investigations must be done. This can take time. Insurance companies do not want to pay out anything until they are sure they are the ones who should be paying.

Of course, everything changes if you are trying to collect on a claim made to someone else’s insurance. This can make the process even slower because the company will investigate in most cases to be sure it is liable. This information is for education and is not legal advice.