Navigating a car accident settlement in Nassau County can be physically, emotionally, and financially challenging. At the Law Office of Cohen & Jaffe, one of the most common questions we hear is: How long does a car accident settlement take? While there’s no set timeline, understanding the process and its effects can help you move forward confidently.
Below, our legal team outlines what to expect, what can slow things down, and how to keep your claim moving efficiently.
The Car Accident Settlement Process in Nassau County, NY
When filing a claim in Nassau County, the car accident settlement process typically follows these steps:
Reporting the Accident
Under New York State law, any accident resulting in over $1,000 in property damage or injuries must be reported to the Department of Motor Vehicles using Form MV-104 within 10 days.
Filing a No-Fault Claim
According to the New York State Department of Financial Services, injured parties must file a No-Fault insurance claim within 30 days of the accident. This coverage helps pay for medical expenses, lost wages, and certain out-of-pocket costs up to $50,000 per person, regardless of fault.
Investigation and Gathering Evidence
Your attorney will begin investigating the accident, including reviewing police reports, collecting medical documentation, obtaining security or dashcam footage, and interviewing witnesses.
Medical Treatment Completion
Insurance companies typically wait to begin serious settlement negotiations until you’ve finished medical treatment or reached maximum medical improvement (MMI). This ensures your settlement fully accounts for all short- and long-term medical costs.
Negotiating with Insurance Companies
Once your injuries are fully documented, your lawyer will submit a demand for compensation. Insurance adjusters may first respond with a low offer, which is typical.
Settlement or Litigation
If both parties agree to a fair settlement, your case can be resolved quickly. However, if negotiations stall or liability is disputed, the case may need to move to litigation. Lawsuits can take several months or even years, especially if the case involves serious injuries or multiple parties.
How Long Does a Car Accident Settlement Take in Nassau County, NY?
There is no specific time limit, but the rule of thumb is that the more complex your case, the longer it will take.
Under the New York State Department of Financial Services, insurance providers must pay out within 30 days of accepting a settlement offer. However, getting to that stage may be subject to some variables:
- Liability Disputes: Negotiations can be drawn out when the fault isn’t immediately apparent, especially in multi-vehicle crashes.
- Severity of Injuries: Serious injuries often involve extended treatment and higher compensation, which slows the timeline.
- Disputes Over Compensation: Insurance companies may offer lowball settlements, forcing additional rounds of negotiation.
- Litigation Requirements: If your case goes to trial, the timeline will likely be extended by many months or longer.
- Insurance Delays: Some insurers drag out the process to pressure victims into quick, low-value settlements.
On average, a simple car accident involving minor injuries and clear liability might settle within 10 to 15 months. But if your case involves significant injuries, disputed fault, or litigation, it could take 2 to 3 years or more.
Can You Speed Up Your Car Accident Settlement in New York?
While no one can guarantee a faster outcome, there are innovative steps you can take to avoid unnecessary delays and protect your claim:
Hire a Trusted Attorney
An experienced attorney can manage evidence, communicate with insurers, and help keep your case on track. Familiarity with Nassau County courts and insurance practices is key to avoiding delays.
Maintain Records
Organize all medical bills, receipts, wage statements, and related documents. Strong documentation supports your claim and streamlines the settlement process.
Respond Promptly
Respond quickly to requests and attend all scheduled appointments. Active participation helps prevent unnecessary delays.
Avoid Early Settlements
Early settlement offers are often lower than what a claim is worth. Carefully evaluate any offer before accepting.
Follow Medical Advice
Complete all recommended treatments and follow-ups. Gaps in care can be used to dispute the extent of your injuries.
Get a Free Consultation With a Nassau County Car Accident Lawyer Today
The aftermath of a car accident can feel like a whirlwind, but you don’t have to face it alone. At the Law Office of Cohen & Jaffe, we fight for those who’ve been injured through no fault of their own. With decades of experience and a proven track record in Nassau County, we’re here to guide you through the legal process and pursue the compensation you deserve. Call 516-358-6900 today for a free consultation.
