How Long Should a Personal Injury Case Take to Settle?
Understanding realistic settlement timelines helps manage expectations and make informed decisions. While every case is unique, typical timeframes range from a few months to several years.
Average Settlement Timelines
- Minor injuries, clear liability: 3-6 months
- Moderate injuries: 6-12 months
- Serious injuries: 1-2 years
- Complex cases requiring trial: 2-3+ years
Factors That Affect Settlement Time
Injury-Related Factors
- Recovery time: Can't value a case until you've healed
- Severity: Serious injuries require more documentation
- Future treatment: Projecting long-term needs takes time
Case Complexity Factors
- Liability disputes: Unclear fault extends timelines
- Multiple parties: More defendants means more negotiation
- Insurance company tactics: Some delay intentionally
- Policy limits: High-value claims take longer
The Settlement Process Timeline
Phase 1: Treatment (Ongoing)
Reach maximum medical improvement before settling to ensure full compensation.
Phase 2: Investigation (1-3 Months)
- Gather medical records
- Document damages
- Build evidence file
Phase 3: Demand & Negotiation (1-6 Months)
- Send demand letter
- Receive initial offer
- Counter-offer negotiations
Phase 4: Resolution
- If settled: Process takes 4-6 weeks after agreement
- If lawsuit: Add 1-2+ years for litigation
Signs Your Case Is Taking Too Long
- No communication from your attorney
- Insurance company completely unresponsive
- No progress for extended periods
- Approaching statute of limitations
How to Keep Your Case on Track
- Complete all medical treatment
- Respond promptly to attorney requests
- Keep organized records
- Avoid social media posts about your case
- Stay in communication with your lawyer