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How Long Will My Personal Injury Claim Take to Settle?

Calendar Conveying TimeAs personal injury lawyers, there's no question we receive more than "How long do you think it will take to settle my case?" And the quick answer to that question depends on whether or not you want to take the low-ball quick settlement from the insurance company, or if you're willing to hire a law firm to ensure your case is handled professionally.

First, we'll look at the major differences between the quick settlement and the professional settlement, their disadvantages, and advantages, and then we'll discuss the time involved if you choose to have your case handled by our personal injury law firm.

The Quick Personal Injury Settlement Is Always in the Insurance Company's Best Interest

Insurance companies are notorious for rushing injured people to settle their claim, and the reason they want you to settle quickly is that they know a "quick settlement" is almost always to their advantage. This is especially true for injured people who have suffered soft-tissue injuries that involve things such as nerve damage or neck and back pain. These injury types are often subjective and highly unpredictable, meaning they can have lingering effects and a doctor may require you to complete months of physical therapy before they adequately resolve the problem.

If you settle your personal injury claim with the insurance company before a doctor declares you 100 percent, there's a strong possibility that some of your problems may return and require additional treatment. In this instance, assuming you signed a release with the insurance company, you'll be responsible for all the costs associated with any future treatment and therapy of the injuries you sustained in the car accident.

Quick settlements can also negatively affect a person with traumatic injuries, including broken bones, surgeries, long-term care, etc. In accident types such as these, it's possible that you may be entitled to what is known as "policy limits," or the maximum amount available on the insurance policy. However, it's also possible that more than one policy exists. If you or a family member decides to take the quick settlement without having a law firm first investigate on your behalf, there is the chance that you are leaving hundreds of thousands of dollars on the table.

The Professional Personal Injury Settlement Gives You the Advantage

Hiring a personal injury firm does not speed up the process of your personal injury claim. In fact, it can take a longer period of time for you to receive your money, but there's a reason for that.

Once the insurance company is aware that you have hired an attorney, their tactics will change. Instead of rushing to settle your claim with us, they will drag their feet hoping you become frustrated. The reason they do this is that they know that you're likely going to receive more money for your claim by hiring a lawyer.

Fortunately for you, the personal injury lawyers at Keller & Keller have been working against the insurance company tactics since 1936. We know how to handle their ineffective strategies to ensure you receive the settlement you deserve and get the treatment you deserve.

Once you hire us, the amount of time it takes us to settle your injury claim will depend on the following:

  1. When the doctor releases you from treatment, or you have reached a maximum level of physical recovery. If anyone tells you that your personal injury claim should settle in "X" amount of days, be very suspicious. The fact is that no one can predict how long you will be in treatment for your injuries, or what medical conditions may arise that weren't immediately apparent. Your treatment the most important factor for you and the value of your case, it's also the longest lag time in your case. It's something that cannot be hurried, nor should it be. (With regard to treatment, many clients will ask if they should go to specific doctors, or have specific treatments. Again, we always refer to your primary care doctor for answers to these types of questions.)
  2. The time it takes your paralegal to collect all of your medical records and bills. We work to maximize your settlement, and if your case is going to receive a top dollar offer, we MUST have a complete set of your medical records and bills. Car accident claims are fought and settled based on the evidence contained in your medical records. How long it takes to receive your records often depends on the speed in which the various providers and billing agencies respond to our requests. Gathering official records takes time, so this is yet another big factor that can affect the amount time it will take to settle your case.
  3. Waiting for the insurance company to respond to Keller & Keller's demand package. The demand package is the final step to resolving your claim—it includes all of your medical records, bills, and a demand letter written by your lawyer that clearly and expertly outlines your entire case. There is a large amount of information in a demand package, sometimes thousands of pages, so it's possible the insurance companies will require several weeks to examine our demand package. We closely monitor the time the insurance company has your demand, but depending on the complexity of the claim, it may require a longer period of examination as well as additional correspondence between Keller & Keller and the insurance company.

Once the claim is settled, we work as quickly as possible to make the insurance company issue a check and release for total payment. Insurance companies may sometimes stall in releasing the funds, so it's important to know that we maintain regular contact with them to request timeline updates.

Remember, every case is different, and it's never recommended that you judge the potential time your case may take to settle by comparing it to someone else's case. No law firm can guarantee a settlement date, but Keller & Keller's Indianapolis personal injury attorneys are extremely skilled at shortening this process by as much time as possible.

Do You Need an Indianapolis Accident Attorney?

Our Indianapolis personal injury lawyers have helped thousands of accident victims throughout the state settle their claims at values that were fair and just. If you choose to take the quick settlement, there's no guarantee that your claim will ever be handled with your best interests in mind. Handling a claim professionally will take time, but it could be worth thousands of dollars you may not have received otherwise.

No matter the circumstances, calls to our office are always FREE and our attorneys work on a contingency fee basis, meaning you'll never be charged for any work we do on your behalf unless we make a recovery for you.

Contact us online or call us directly at 800.253.5537 for your free consultation.


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How Much Is My Car Accident Injury Claim Worth?

Before we look at the factors that determine the value of your car accident claim, know this: NO ONE can initially tell you what your car accident claim is worth; not until you tell your version of the story, liability is nailed down, your medical treatment is finished, and an experienced personal injury law firm has reviewed your case.

And it's ok not to have an immediate dollar amount thrown at you. After all, if your accident had a "price tag," then there would be no opportunity for you to present your particular case, meaning you'd potentially risk shorting yourself thousands of dollars, or the entire claim!

(Having settled thousands of personal injury cases, we are certain of one fact: No two clients are alike, no two car accidents are alike, no matter how similar they seem.)

Our firm's #1 goal is likely similar to your own at the moment: recover the maximum amount of compensation for the accident. The way to ensure you receive a fair settlement is to present a professional and persuasive case that is supported by medical documentation and measurable course(s) of treatment, e.g., physical therapy.


You're likely worried about hospital bills, property damage, lost wages, and a possible change in lifestyle, so a quick settlement may seem attractive. However, as time passes, most clients are thankful they took the time to consult with someone who could advise them of future factors that could potentially increase their case value.

Scenarios that can increase the value of a car accident case might include:

  • The client's injuries worsened over time, leading to unforeseen treatments and costly procedures.
  • The client didn't predict the type and/or duration of treatment their injuries required.
  • The client didn't anticipate the strain the accident would place on their personal life.
  • The client didn't account for the long-term psychological effects.

These points are common after-effects accident victims are unable to predict immediately following their accident, and the insurance company is going to try and settle with you before any of these scenarios occur.

Ultimately, your damages are likely to have additional value if presented to an insurance company by way of experienced legal representation. Having an attorney allows you to take the time you need to ultimately see the full picture of your claim, and remember, once you sign a release of all claims, you're essentially telling the insurance company they're "off the hook."


Each person is unique, each accident is unique, every case has unique value, and there are no exceptions to this rule. Let's look at an example:

  • Driver A is a young pregnant female with no pre-existing medical conditions. She has been involved in a rear-end car accident collision. She was taken by ambulance to the hospital for examination of back and neck pain. The doctors diagnose her with whiplash and prescribe her a course of treatment that is consistent with the needs of her pregnancy. She completes treatment and is released soon after.
  • Driver B is a middle-aged male with prior back surgery. He has also been involved in a rear-end style car accident collision and is experiencing neck and back pain. He was not able to visit a doctor until two weeks after the crash due to fear of missing work and losing his job. When he is able to visit the doctor, he is diagnosed with whiplash and is prescribed a course of physical therapy. He is released soon after.

Let's also assume that Driver A and Driver B were rear-ended at the same spot on the same highway on the same day. Additionally, the vehicles that struck A & B were traveling at the same speed at the time of impact. Weather conditions were the same for both accidents, and both A & B and the adverse drivers have the same insurance companies, etc.

What does all this mean?

Despite everything we know about driver's A & B accident details, their claims will have different values!

Even with all the listed similarities, it's very unlikely that driver A & B will undergo the similar medical treatment for their injuries; respond to treatment in the same manner; or experience the same types of aggravation and frustration in the days and months after their accident.


This "formula" is an estimate that has often been thought of by many as a way to value car accident claims. And though it is true that you may receive three times your medical bills, it's also just as likely that you'll receive more or less.

In short, never assume the value of your car accident claim is simply "3 x's your medical bills."


There are typically 3 components we look to recover for in a personal injury case that arises from a car accident:

  1. Past and future medical bills
  2. Past and future lost wages, or loss of earning capacity
  3. Past and future pain, suffering, disfigurement, and disability

Again, the numbered factors above don't apply to every case, and you should always have an experienced injury lawyer evaluate your specific claim.


Accidents that leave a person with traumatic injuries; broken bones; the need for surgery; permanent hardware; and/or cause death, may constitute what is known as a "policy limits demand."

In these instances, our personal injury attorneys will immediately notify the adverse insurance company of our representation of a client and ask that they send us what is known as a "certified declarations (DEC) sheet." This document will reveal the total amount of available dollars under the liable party's policy.

Once we receive the DEC sheet we will be able to tell you how much money is available, and whether or not your injuries justify asking for the entire amount. However, it will still be very difficult to predict the value of your car accident claim, because other factors will almost certainly play a role.

For instance, we may be able to reduce certain medical bills on your behalf so that you're not required to pay back the full amount, thus increasing your settlement. We may also be able to secure Underinsured Motorists Coverage (UIM) from your policy in the event that the adverse policy limits are inadequate.


Asking an experienced personal injury attorney to examine an insurance policy ensures you aren't leaving money on the table. Policies can be confusing, full of difficult-to-understand contract language, some of which is applicable to your case, and some that isn't.

If your everyday job doesn't require you to review insurance policies, then your chance of fully understanding available coverage will be challenging. Fortunately, we have more than 75 years of locating and examining insurance polices for car accident victims, so we can help guide you and youir family in the right direction at no cost.

Ultimately, speaking with an experienced injury law firm about your case is an excellent step toward determining what your car accident case is worth.

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