– Hi, this is John Kelly
from Kelly Law Team. I want to talk to you
about how long it takes to get paid in a personal
injury claim or settlement. These are online questions
that I’ve been answering, so let’s get started here. This is really for
people that don’t have a lawyer or an attorney, and a lot of it applies
if you do have a lawyer, but this is kinda some
good pointers for people who are trying to handle the
initial parts on their own. The first thing I want
to make a point about is getting hospital records if
you did go to the hospital and order it right away. So what you wanna do is
make sure that you contact the hospital’s records
departments and tell them you want full bills and records. Hospitals, anymore, will
take a long time to get your records and you may be
waiting three for four months, believe it or not,
to get those records. They’ll send you an invoice, you may have to send them
a check for the amount that it takes them to produce
copies of your records. So, you wanna get that
process started right away. The other thing that you need
to know is that when you’re, you’re gonna have to wait
typically until you’re done treating before you
make your demand letter. So that’s something that is, you may be treating for
three months with care, you know, you may have
physical therapy, chiropractor, you may have other things,
orthopedic person involved, it may be six months,
it may be a year. You don’t necessarily
want to settle your claim, typically, until you’re
completely done treating. So that will delay your
case to a certain degree, depending on how
long you’re treating. After you’re done treating
with your providers, or your follow-ups
to the hospitals, so if you went to physical
therapy, for instance, for three months, you’ll
want to request their full bills and records that
includes your last visit. Then when you get all your
bills and records together, you need to put a
demand letter together to the insurance company
that’s applicable. From there, after you put
your demand letter together, you typically are going
to be giving the insurance company 30 days to respond
to your demand letter, including all your
bills and records. Now, they may come back and
we need a little bit more time to review this, or they
may follow up with you and say there is some
missing bills and records and that kind of thing,
so you may have to extend it out from there. After you get to the
point where they’ve made an initial settlement offer, it can go very
quickly from there. You can negotiate that
initial settlement offer if you think it’s
not high enough, you can make your arguments, produce other documentation
that you think is relevant, but that whole process can
be done in a couple of days if you can get an
adjuster on the phone. Once you get the claim
settled, you have an amount that they’ve offered
that you feel is fair, you’ve decided to
settle the claim, you tell them, go ahead
and send me that check and a release, they’re
going to send you a check with your name on it, they’re
also going to send you a release that’s going
to tell you that by in accepting this check
and releasing them, you no longer have
any rights to go after the person that injured you
or the insurance companies that are related in any way
regarding that accident. So, they’ll want that before
they all actually get you the full funds from the check. After you have that check, you’re on your way to the
bank with that, really. So, typically I would
say two to three months after you’re done
treating is about average. Now that is if your
injuries aren’t very severe. We’re talking more soft
tissue type of injuries, if you do have a more
complicated case, and you have liens involved, which a lot of these
personal injury cases do, those can take some
time to resolve, especially if
Medicare is involved. Typically in that
kind of situation, if you have liens from
hospitals and Medicare and healthcare
providers involved, you may want to contact
an attorney at least to get some information about
how to resolve all those because the last thing you
want is for you to think you’re on your way with your
money from your settlement check and then get another
bill in the mail from your healthcare provider
saying that they have the right to be reimbursed. So I hope this helps
for people out there. If you have any further
questions about this, please contact me. You can reach me at
the Kelly Law Team. The number is 602-283-4122. Thank you.