How Long Does It Take to Get a Settlement Check?

You’ve reached a settlement for your car accident claim — but now you might be wondering: How long will it take to receive the payment?

While the timeline can differ, most people get their settlement funds anywhere from a few weeks up to several months after agreeing to the terms. Here’s a closer look at what happens once you settle.

1. Finalizing the Settlement Agreement
Before any payment is made, both parties need to sign a formal settlement agreement. This document outlines key details such as:
 

• The amount you will receive
   
• Your agreement to release the other party from further claims
   
• Payment deadlines
   

Nothing moves forward until this agreement is signed.

1. Insurance Company’s Payment Process
   After the agreement is signed, the insurer usually processes the payment within 2 to 6 weeks. However, delays can occur due to:
    

• A backlog of claims
   
• Need for additional internal approvals
   
• Errors or missing paperwork, such as incomplete release forms
   

1. Attorney’s Handling of Funds
   If you’re working with a lawyer, the settlement check is often sent to their office first. They will:
    

• Deposit the funds into a trust account
   
• Deduct their fees and any case-related expenses
   
• Settle any medical liens or outstanding bills
   
• Distribute the remaining amount to you
   

This helps ensure all debts are cleared before you receive your share.

1. Medical Liens and Potential Delays
   Healthcare providers or insurers may place liens on your settlement funds. These must be addressed and negotiated before you get paid, which can prolong the timeline.
    
2. What Influences the Timing
   Several factors impact how long the process takes, including:
    

• State-specific processing rules
   
• The insurer’s internal procedures
   
• Whether liens or disputes need resolution
   
• The speed at which all paperwork is completed and signed