A Comprehensive Guide to Navigating the Insurance Claim Process

It is normal as for he victim of a serious accident to be anxious about when you will receive a settlement check. You may be struggling with the costs of medical bills and property repairs while trying to focus on healing. Unfortunately, waiting for an insurance company to fulfill its duty is a common part of the claims process. Speak to an injury attorney in West Virginia for a timeline of your specific claim, as well as tips on how to expedite the process.

How long does it take to get a settlement check?

Many states have passed laws requiring insurance companies to respond to claims they receive within a certain period. In West Virginia, insurance companies must respond within a reasonable amount of time, although the state does not give a specific number of days. Most insurance companies have self-imposed deadlines of 30 days. If the insurance company needs more time than this, it will send a letter explaining the reason for the delay and asking for additional time to respond.

Responding to a demand letter is a complex process that takes time and attention from multiple parties within the insurance company. Instead of one staff member handling the insurance claim, a team of investigators, adjusters, inspectors, and analysts work on a case. It takes time for each person to do his or her job, complete paperwork, and pass the claim to the next person. If one party takes too long or makes a mistake, it can prolong the response process. The response time for your claim could be as little as a few days or as long as multiple months depending on the situation.

Once the insurance company responds to a claim, it does not necessarily resolve the case. You have the chance to counteract the response with an offer of your own. If the insurer offers a settlement, you or your lawyer can respond with a higher amount to enter into negotiations. If the insurance company denies your claim, it may not mean the end of your case either. Your lawyer may have to take the claim to the courts in West Virginia for fair recovery instead. The average insurance settlement takes around 30 days for the claimant to receive payment, while a trial could take a year or longer.

What to Do If Your Insurance Company Is Delaying Your Claim

Navigating the aftermath of an accident or loss can be stressful, particularly when you’re awaiting a crucial insurance payout. Delays in processing claims can exacerbate this stress, leaving you uncertain about your financial future. If your insurance claim is taking longer than expected, here are effective steps you can take, underpinned by our firm’s extensive experience and expertise in insurance law:

Understanding Your Legal Rights in West Virginia

In West Virginia, like in many states, insurance companies are obligated to act within certain timeframes when processing claims. Specific regulations require that insurers start the investigation of claims promptly and make decisions in a timely manner. While West Virginia law may not specify exact days as Nevada does, the expectation for prompt and fair processing is clear. If your insurer exceeds reasonable processing times, exploring legal recourse may be warranted. Being aware of these regulations is crucial for holding your insurer accountable.

What can I do to avoid delays in receiving my claim settlement?

Maintain Persistent Communication:

It’s essential to stay in regular contact with your insurance provider after filing a claim. Inquiring about the progress of your claim and confirming expected timelines for resolution can keep your case active and prevent unnecessary delays.

Document Every Interaction:

Compiling a comprehensive record of all communications with your insurance company is invaluable. Include details of phone conversations, copies of all written communications, and any other pertinent documents related to your claim. This documentation can be crucial if disputes arise regarding the management of your claim.

Consult with a Legal Professional:

Lengthy delays in the claims process can significantly impact your financial and emotional well-being. Seeking advice from a legal professional, experienced in West Virginia’s insurance laws, can provide clarity on your situation. Firms like manchininjurylaw offer expertise in insurance claim disputes and can advocate on your behalf, potentially accelerating the resolution of your claim.

How long does a car insurance claim take to settle?

An insurance claims adjuster is the person in charge of reviewing your claim and either denying or accepting your demands. In many cases, an insurance adjuster will need to come out and visit you in person to see the injuries, property destruction, or vehicle damages in question. It is standard practice to receive a phone call from a claims adjuster within one to three days of filing the initial insurance claim in West Virginia. It could take an additional day or two for the claims adjuster to come out if he or she needs to look at the damage in person. You may be able to speed up this process after a car accident by taking your vehicle to an insurance-approved auto shop.

How long does it take to get a settlement check after a car accident?

The timeline on a car insurance claim depends on the types of damages involved. Simple cases with minor property damage will generally take less time to resolve than complicated claims. A roadside assistance claim for towing expenses, for example, can take as little as eight business days to resolve. A claim involving a totaled vehicle and permanent disabilities, however, would most likely take closer to 30 days or longer to settle. Injury claims generally take the longest to complete.

How do I file an auto insurance claim?

Another factor that could affect how long your car accident case takes to settle is your paperwork. Omitting information, skipping sections, forgetting to include supporting documents, missing a deadline and making other mistakes could all significantly delay your claim. Work with an Car Attorney in West Virginia for the fastest, easiest and most efficient claim-filing process possible.

Navigating Insurance Claims with Confidence

Filing an insurance claim after an accident can be a daunting process, but armed with the right information and strategies, you can navigate it with greater ease and confidence. From understanding the timeline and types of claims to knowing when to seek legal help, this guide empowers you to take control of your insurance claim process.

Frequently Asked Questions About How Long Does It Take Insurance to Process a Claim

1. How long do insurance companies have to respond to a claim in West Virginia?

While West Virginia law requires insurance companies to act in a timely manner, it doesn’t specify exact deadlines for claim response times as some states do. However, the expectation is for insurance companies to investigate and process claims promptly and fairly. If you experience unreasonable delays, it might be beneficial to consult with a legal professional.

2. What steps should I take immediately after filing an insurance claim?

After filing a claim, ensure you document all communications with your insurance company, follow up regularly to check on the status of your claim, and gather any additional information or documentation that might support your case. Staying proactive can help expedite the process.

3. What can I do if my insurance claim is denied?

If your claim is denied, request a written explanation for the denial from your insurance company. Review your policy to understand their reasoning and consult with an attorney if you believe the denial was unjust. You may have grounds to appeal the decision or pursue legal action.

4.  How can documenting communications with my insurance company help me?

Keeping a detailed record of all interactions with your insurance company can provide essential evidence if disputes arise about the handling of your claim. This documentation can prove invaluable during negotiations or legal proceedings.

5. When should I consider getting help from an attorney for an insurance claim?

Consider consulting an attorney if your claim is taking too long to process, if it’s been denied, or if you’re offered a settlement that doesn’t adequately cover your losses. An attorney specialized in insurance law can provide guidance, help you understand your rights, and represent you in dealings with the insurance company.

6. Can I still file a claim if I missed reporting the incident to my insurance company immediately?

It’s best to report incidents to your insurance company as soon as possible. However, if you’ve missed the immediate reporting window, you should still file a claim. Be prepared to explain the delay, and note that some policies have specific time limits for reporting incidents.



Timothy J. Manchin is the founder of Manchin Injury Law Group, a firm established in 2011 in West Virginia. With over 30 years of experience in personal injury law, his focus is on representing clients in a variety of personal injury cases, including car accidents, trucking accidents, motorcycle accidents, brain injuries, wrongful death, and other personal injury matters.

Attorney Timothy Manchin established the Manchin Injury Law Group in 2011 after his law partner of more than 25 years became a West Virginia circuit court judge. His focus is on helping individual clients and entire families victimized by negligent acts.

  • Taylor Downs was easy to talk to (I do not speak the legal language well!) and was very upfront and honest about the entire process of my case. He kept me updated as the case progressed, and answered my relentless questions. The end result was a favorable settlement that I’m not sure could have been any better with anyone else. In short, go see Taylor if you have a case. Don’t be intimidated to go seek his help, he won’t blow your brains out with “legal speak”.


  • Being referred to Taylor was the best thing I could have asked for. Taylor and staff are very easy to talk to. I would highly recommend them to anyone.


  • If I ever have to go through it again I would definetly call Taylor right away. The group was so helpful through my situation and handled everything that needed to be done. They made a stressful situation a stress free situation. With Taylor you dont have to worry about one thing. Definietly would recomend to anyone.

    - TAYLOR G.

  • Efficient, knowledgeable, and friendly.


  • Taylor and Tim helped make a difficult moment in life, a little more bearable. Easy to communicate with and informative. I will absolutely recommend them to everyone.


  • Manchin Injury Law Group, Took care of me when I got into a car accident while I was pregnant. Very scary moment for a first time mom but thankfully Manchin Injury Law Group had my back and treated me great. They made me feel as if I was part of their family. My son is now 7 Months Old and very happy and healthy. I’m very thankful for them for helping me through everything and getting me what we deserved. I 100% would recommend them to anyone. If I ever have an accident again they will be my number 1 phone call!


  • The support given helped me to feel like I was included in my personal injury case every step of the way. I was informed about the entire process throughout. It was amazing how quick the turn around time was and I would definitely recommend Attorney Timothy J. Manchin to anyone!


  • Taylor and Kelly worked hard on my case so I didn’t have to. Thanks guys!


  • Excellent experience dealing with Manchin Injury Law. They were very responsive, professional and easy to talk to. I did my homework before I hired a lawyer after my accident and I am so glad I found Manchin Injury Law Group. If you are injured, give them a call!


  • Taylor and Tim helped make a difficult moment in life, a little more bearable. Easy to communicate with and informative. I will absolutely recommend them to everyone.


  • Kelly and Taylor did all the hard work so that I didn’t have to. They both cared about my circumstance and got me a nice settlement. Taylor knows what he is doing and I felt comfortable with my case in his hands.


  • Great lawyers. They helped me with a West Virginia case.


  • Such a great experience with Taylor and this firm. Thankful for their diligence and their work on our case. Thank you to all!


  • Had a easy and smooth experience with a great attorney so when you go there make sure you ask for Taylor.


  • My experience at the Manchin Injury Law Group was extremely positive, and I would recommend them to anyone who needs a compassionate and experienced lawyer on their side.


Contact Us Today

We offer a free initial consultation at our office in the Manchin Professional Building — our home since 1983 — conveniently located in Fairmont.

If you are unable to visit our firm, we can come to your home or hospital room.

Fill out the form below to get in touch!

100% privacy guarantee