🕐 Typical Range: 3 Months to 3+ Years

🟢 Faster Settlements (3–9 Months)

These are more likely when:

• Injuries are minor or fully healed
• Liability is clear (the other party admitted fault)
• The insurance company is cooperative
• No lawsuit is filed (settled during negotiation)

⚠️ But: Quick settlements often mean lower payouts.

🟡 Average Settlements (9–18 Months)

Most cases fall here:

• You complete medical treatment (so damages can be properly calculated)
• Attorneys exchange evidence and demands
• There are ongoing negotiations before filing suit
• Minor legal or insurance disputes may be involved

🔴 Longer Cases (18 Months – 3+ Years)

Long delays happen when:

• You have serious or long-term injuries (waiting on prognosis)
• Liability is disputed
• A lawsuit is filed, and discovery or trial is needed
• The defense uses stalling tactics
• There are multiple parties or complex facts

⏳ Why It Takes Time

• Doctors must complete treatment or give a final report
• Attorneys need time to gather evidence and calculate damages
• Insurance companies often drag out negotiations intentionally
• Courts are backlogged if the case goes to trial

🧠 Pro Tip:

Never settle until your treatment is complete or your doctor confirms your long-term condition. Settling too soon could leave you unpaid for future care.