How long does an insurance company have to investigate a claim? An insurance company may have up to 90 days to investigate a claim.
A Las Vegas car accident lawyer or a personal injury attorney who has experience relating to the type of claim you have filed can determine how long your insurer has to decide whether to approve or reject it.
How Long does an Insurance Company Have to Investigate a Claim in Nevada?
In terms of how long an insurer has to investigate a claim in Nevada, the window is 30 days from the date of notification. For example, you are involved in an auto crash and inform your insurance provider about the collision. Your insurance company has 30 days from the date you told the business about your crash to investigate.
Just because an insurance company has 30 days to investigate a claim does not mean you will get a decision on it within this period. Your insurance carrier must inform you if it has not completed its investigation of your claim within 30 days of being notified about it. It must explain why it needs more time and continue to provide updates every 30 days until completion.
H&P Law is a Las Vegas personal injury law firm that has more than six decades of legal experience on our staff. When you meet our legal team, you may quickly discover why we are a top choice for those who want legal help with insurance claims. Contact us today for more information.
How Long does an Insurer Have to Investigate a Claim After a Car Accident?
Your auto insurer has 20 days from the date you submit your claim to acknowledge that it has received it. Along with this, the company has 30 days to investigate. Ideally, your insurer takes your claim seriously, gives it the attention it deserves, and makes sure you receive adequate compensation for an auto accident if someone else is liable for it.
A Las Vegas car accident attorney has a clear understanding of auto insurance requirements in Nevada. They will encourage you to file an auto accident claim promptly. Next, your attorney can handle communications regarding your claim.
Your lawyer can explain how to file a car accident claim in Nevada. Once your claim has been submitted, your attorney can keep you updated. If you have concerns about how long it is taking an insurance company to investigate your claim, your lawyer will address them.
How Long does an Insurance Company Have to Investigate a Claim If Someone Else Is Liable?
The time frame for how long an insurance company has to investigate a claim may extend up to 90 days if someone else is liable for your losses. This window lasts 30 days in Nevada. Your insurer can work with the other party’s insurer to determine who is at fault.
Generally, both insurance companies will examine the facts of an incident. If a party is found to be responsible, their insurer should cover your losses. Unfortunately, an at-fault party’s insurance company could commit time and resources to dispute your claim.
Your lawyer can provide insights into how an insurance company determines when a car is totaled and other topics relating to your claim. They can help you prove that someone else is liable for your losses and that this individual or their insurer should cover them. As a result, your attorney can position you to recover financially from an accident and injuries.
Tips to Help You with Your Insurance Claim
You are worried about how long it will take an insurance company to investigate your claim. Hire a Las Vegas personal injury attorney who can guide you through the claims process. Your lawyer may share tips to help you speed up this process, including:
Submit the Required Documentation to Your Insurer Right Away
The Nevada statute of limitations is two years if you are requesting compensation based on a personal injury. Your lawyer can help you complete claim documentation. They can help you file the necessary documents before the time frame in which you are allowed to do so.
Gather Evidence
Medical records, witness statements, and other proof strengthen your claim. If you have an abundance of evidence, it becomes difficult for an insurance company to contest your compensation request. Your lawyer can help you collect proof and share it with your insurance carrier.
Cooperate with an Insurance Adjuster
An insurance company can assign an adjuster to investigate your losses. Let your lawyer communicate with an adjuster on your behalf. Your attorney can help you give an adjuster the information they need to evaluate your claim and confirm its validity.
Follow Up With an Insurance Company Regularly
Your lawyer can reach out to your insurer and get information about your claim’s status. They understand your insurer has a limited window for investigating your claim. Your attorney remains persistent and does everything in their power to keep your claim on track.
File a Complaint
You have the right to submit a complaint to the Nevada Division of Insurance if an insurance company continues to delay its claim investigation. This can be a viable option if your investigation goes on for months. Your attorney can explain how to file a complaint and what can happen if you do.
In addition, you have the option to sue an insurance company if you believe the company is acting in “bad faith” during the claims process. Your lawyer can help you determine if a lawsuit is worth the effort. If you decide to sue an insurance carrier, your attorney can serve as your legal representative and advocate throughout your litigation.
Get Legal Help as You Go Through the Insurance Claims Process
The H&P Law team understands just how long it can take for an insurance company to investigate your claim. We can help you address challenges at each stage of this process. Schedule a free consultation with us.
