Personal injury claims can be resolved relatively quickly, or they can be drawn out for months or even years. It is hard to predict or even provide a loose estimate of how long your claim can take, as each personal injury claim is unique and contingent upon many factors. The severity of your injuries, the length of your treatment, and the pace at which you heal are all contributing factors to the time frame of your claim. While you may be anxious to be compensated so you can pay your bills, your focus during the claims process should be on treating your injuries and healing as well as you can. It is inadvisable to resolve your claim prior to reaching maximum recovery; once your claim is resolved, you can no longer seek damages for your medical treatment. You will know if you’ve reached maximum recovery, also called Maximum Medical Improvement, if you are released from treatment and your injuries have healed completely or if your treating doctor releases you with the determination that any remaining symptoms or conditions are most likely permanent and further treatment would not improve them. If your injury is severe and your treatment is extensive, your claim could take months or even years to resolve while you treat your injuries and heal. If your injuries are minor or are such that extensive treatment is not necessary, your claim may resolve within a few weeks to a few months.
Once your treatment options are exhausted and your physician has released you from treatment, a formal demand for payment can be made. The insurance company handling your claim will review the demand, after which they will take one of two actions; they will accept your demand and pay out your claim, or they will reject it and pose you a counteroffer. Certain circumstances may delay the payment of your claim. For example, if there is a dispute over liability, further investigations may be done to establish liability. Similarly, if the insurance company is not willing to compensate you for certain treatments, further documentation may need to be submitted to prove the treatment was reasonable and necessary. If a settlement agreement has been reached, the insurance company has 60 days in which to pay you. If negotiations do not result in a settlement agreement, your case may enter into litigation, which can further prolong the time it takes for your case to be resolved.
At Blackburn & Green, we know how to take care of our clients after an injury or accident, and we will fight tenaciously to obtain fair compensation for you. We offer free initial consultations at one of our office locations or at your home or hospital room and can help you understand the claims process. Call (800) 444-1112 or (260) 422-4400 to be connected with one of our 25 convenient office locations across Indiana or fill out our online form to schedule a consultation. Contact Blackburn & Green for knowledgeable and caring legal counsel on your personal injury case today.