{"id":5342,"date":"2025-07-24T08:43:19","date_gmt":"2025-07-24T08:43:19","guid":{"rendered":"https:\/\/www.awjlaw.com\/?page_id=5342"},"modified":"2026-01-12T14:53:51","modified_gmt":"2026-01-12T14:53:51","slug":"how-long-does-an-insurance-company-have-to-investigate-a-claim","status":"publish","type":"page","link":"https:\/\/www.awjlaw.com\/faqs\/how-long-does-an-insurance-company-have-to-investigate-a-claim\/","title":{"rendered":"How Long Does an Insurance Company Have to Investigate a Claim?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">There is no set time that insurance companies have to investigate a claim. In serious cases involving permanent injuries or a fatality, they usually begin their investigation immediately. That\u2019s why it\u2019s important to consult with a <\/span><a href=\"https:\/\/www.awjlaw.com\/marietta\/car-accident-lawyer\/\"><span style=\"font-weight: 400;\">Marietta car accident lawyer<\/span><\/a><span style=\"font-weight: 400;\"> quickly. Evidence can be lost or destroyed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our firm will communicate directly with the insurance company in your case and ensure it follows the law and handles your claim fairly.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What Happens During an Insurance Investigation?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When you file a claim, the insurance company investigates to determine:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Liability<\/b>:<span style=\"font-weight: 400;\"> Who was at fault?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Damages<\/b>:<span style=\"font-weight: 400;\"> The extent of injuries and property damage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Coverage<\/b>:<span style=\"font-weight: 400;\"> Whether the policy covers the claim.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fraud<\/b>:<span style=\"font-weight: 400;\"> Any red flags that suggest false claims.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">During this process, they could request documents, conduct interviews, and even send adjusters to assess damages.<\/span><\/p>\n<div class=\"cta-inner cta-1\">\n            <div class=\"cta-inner__meta\" style=\"margin: 0;\">\n                <h3>Call Today For A Free Consultation <\/h3>\n                <div class=\"cta-inner__btn-white\">\n                    <a class=\"btn-white\" href=\"tel:+17704275498\" title=\"(770) 427-5498\">(770) 427-5498<\/a>\n                <\/div>\n            <\/div>\n        <\/div><h2><span style=\"font-weight: 400;\">How Our Injury Attorneys Will Help Speed Up the Claims Process<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Hiring an experienced lawyer to handle your case will make a difference when dealing with insurance companies. We will manage all the tasks of your case and:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Demand timely responses<\/b>:<span style=\"font-weight: 400;\"> We ensure insurers act reasonably.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Handle all communications<\/b>:<span style=\"font-weight: 400;\"> You won\u2019t have to deal with adjusters or frustrating delays. We will handle all verbal and written correspondence.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gather strong evidence<\/b>:<span style=\"font-weight: 400;\"> We will build a solid case to prevent unnecessary disputes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Negotiate for a fair settlement<\/b>:<span style=\"font-weight: 400;\"> If the insurer stalls the process, we will seek a quick and fair resolution.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If the insurer still refuses to act in good faith, we\u2019re ready to take legal action on your behalf.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What Could Delay an Insurance Investigation?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Common reasons an insurance claim could take longer than expected include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Incomplete documentation<\/b>:<span style=\"font-weight: 400;\"> Missing police reports, medical records, or accident details.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Disputes over fault<\/b>:<span style=\"font-weight: 400;\"> If both parties disagree on liability.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Severe injuries or high damages<\/b>:<span style=\"font-weight: 400;\"> More extensive claims take longer to evaluate.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Insurance company tactics<\/b>:<span style=\"font-weight: 400;\"> Some insurers intentionally delay claims to pressure claimants into lower settlements.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If your claim is taking too long, our firm will talk with the insurer and get them to act.<\/span><\/p>\n<div class=\"cta-inner cta-2\">\n            <div class=\"cta-inner__meta\" style=\"margin: 0;\">\n                <h3>Contact Our personal injury Lawyers Today<\/h3>\n                <div class=\"cta-inner__btn-white\">\n                    <a class=\"btn-white\" href=\"\/contact-us\/\" title=\"Click to contact\">Click To Contact<\/a>\n                <\/div>\n            <\/div>\n        <\/div><h2><span style=\"font-weight: 400;\">How Do You Prove Your Claim?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To strengthen your claim and speed up the process, gather as much evidence as possible. Helpful evidence includes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Police reports that document what happened<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical records proving the extent of your injuries<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Photos and videos of the accident scene and damages<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Witness statements supporting your version of events<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Proof of lost income if your injuries kept you from working<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The more evidence you provide, the harder it is for an insurance company to delay, undervalue, or deny your claim. If you require help collecting the right evidence, we will help you.<\/span><\/p>\n<div class=\"cta-inner cta-3\">\n            <div class=\"cta-inner__meta\" style=\"margin: 0;\">\n                <h3>Complete A Free Case Evaluation Form Now<\/h3>\n                <div class=\"cta-inner__btn-white\">\n                    <a class=\"btn-white\" href=\"\/contact-us\/\" title=\"GET FREE HELP NOW\">GET FREE HELP NOW<\/a>\n                <\/div>\n            <\/div>\n        <\/div><h2><span style=\"font-weight: 400;\">What if an Insurer Unreasonably Delays Your Claim?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If an insurer unnecessarily delays your claim, you have legal options, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Demand a response<\/b>:<span style=\"font-weight: 400;\"> Our lawyers will formally request a decision.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>File a complaint<\/b>:<span style=\"font-weight: 400;\"> Report the insurer to the Georgia Office of Insurance and Safety Fire Commissioner.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pursue bad faith damages<\/b>:<span style=\"font-weight: 400;\"> If an insurer acts unreasonably or violates Georgia law, you might be able to recover additional damages. Our attorneys will advise you on what you could recover.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Could an Insurance Company Deny Your Claim After Investigating?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">After an investigation, an insurance company could deny your claim.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Common reasons for denial include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Policy exclusions<\/b>:<span style=\"font-weight: 400;\"> The insurance company claims the policy doesn&#8217;t cover the accident.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Liability disputes<\/b>:<span style=\"font-weight: 400;\"> The insurer argues that you were at fault or that another party is responsible.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Insufficient evidence<\/b>:<span style=\"font-weight: 400;\"> It claims there\u2019s not enough proof of your injuries or damages.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Missed deadlines<\/b>:<span style=\"font-weight: 400;\"> If you fail to file your claim within the required time frame, the insurer will likely deny it.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">What if the Insurance Company Offers a Low Settlement?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Even when insurance companies approve a claim, they usually offer less than you deserve. You don\u2019t have to accept their first offer. Instead:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Review the offer carefully<\/b>:<span style=\"font-weight: 400;\"> Make sure it covers all your medical expenses, lost wages, and damages.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compare it to your actual costs<\/b>:<span style=\"font-weight: 400;\"> If the settlement doesn\u2019t match your losses, you likely deserve more.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Negotiate<\/b>:<span style=\"font-weight: 400;\"> You have the right to counter their offer with proof of your damages.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Talk to a lawyer<\/b>:<span style=\"font-weight: 400;\"> We will negotiate on your behalf and push for the settlement you deserve.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Insurance companies count on you to accept less than you\u2019re owed. With an experienced attorney on your side, you will be able to fight for the full and fair amount you deserve.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How Long Do You Have to File an Insurance Claim in Georgia?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Although insurers must investigate claims promptly, you also have a legal deadline to take action. In Georgia:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Personal injury claims<\/b>:<span style=\"font-weight: 400;\"> You must file within <\/span><b>two years<\/b><span style=\"font-weight: 400;\"> (<\/span><span style=\"font-weight: 400;\">Ga. Code \u00a7 9-3-33<\/span><span style=\"font-weight: 400;\">).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Property damage claims<\/b>:<span style=\"font-weight: 400;\"> The deadline is <\/span><b>four years<\/b><span style=\"font-weight: 400;\"> (<\/span><span style=\"font-weight: 400;\">Ga. Code \u00a7 9-3-32<\/span><span style=\"font-weight: 400;\">).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Waiting too long will likely cost you your right to damages. We will file your case on time if we handle your case.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Find Out How Long an Insurance Company Has to Investigate Your Claim<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When you suffer a loss, you expect the insurance company to review your claim quickly and move it forward. Unfortunately, the process isn\u2019t always that simple, and delays are frustrating. If you want to know how long it takes an insurance company to look into a claim, come to us.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At Jones &amp; Swanson, our <\/span><a href=\"https:\/\/www.awjlaw.com\/\"><span style=\"font-weight: 400;\">personal injury lawyers in Marietta<\/span><\/a><span style=\"font-weight: 400;\"> understand the tactics insurers use\u2014and we won\u2019t let them take advantage of you. We will evaluate your situation, explain the timeline in your case, and fight to ensure they handle it fairly.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our attorneys lead a smaller firm by choice because we believe in personalized attention, responsiveness, and superior service. We have the experience and resources to handle even the most complex claims.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your claim is being delayed or unfairly denied, let us fight for you. Call us today for a <\/span><b>free consultation<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>There is no set time that insurance companies have to investigate a claim. In serious cases involving permanent injuries or a fatality, they usually begin their investigation immediately. That\u2019s why it\u2019s important to consult with a Marietta car accident lawyer quickly. Evidence can be lost or destroyed. Our firm will communicate directly with the insurance &#8230;<\/p>\n","protected":false},"author":31,"featured_media":5343,"parent":801,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"hc_faqs":[460],"class_list":{"0":"post-5342","1":"page","2":"type-page","3":"status-publish","4":"has-post-thumbnail","6":"hc_faqs-car-accident","7":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Long Can an Insurance Company Investigate a Claim?<\/title>\n<meta name=\"description\" content=\"Learn how long an insurance company has to look into your claim and how our lawyers will help if an insurer tries to delay its decision.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.awjlaw.com\/faqs\/how-long-does-an-insurance-company-have-to-investigate-a-claim\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Long Can an Insurance Company Investigate a Claim?\" \/>\n<meta property=\"og:description\" content=\"Learn how long an insurance company has to look into your claim and how our lawyers will help if an insurer tries to delay its decision.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.awjlaw.com\/faqs\/how-long-does-an-insurance-company-have-to-investigate-a-claim\/\" \/>\n<meta property=\"og:site_name\" content=\"Jones &amp; Swanson\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/awjoneslaw\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-12T14:53:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.awjlaw.com\/wp-content\/uploads\/2025\/07\/how-long-does-an-insurance-company-have-to-investigate-a-claim.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"667\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@awjoneslaw\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.awjlaw.com\/faqs\/how-long-does-an-insurance-company-have-to-investigate-a-claim\/\",\"url\":\"https:\/\/www.awjlaw.com\/faqs\/how-long-does-an-insurance-company-have-to-investigate-a-claim\/\",\"name\":\"How Long Can an Insurance Company Investigate a Claim?\",\"isPartOf\":{\"@id\":\"https:\/\/www.awjlaw.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.awjlaw.com\/faqs\/how-long-does-an-insurance-company-have-to-investigate-a-claim\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.awjlaw.com\/faqs\/how-long-does-an-insurance-company-have-to-investigate-a-claim\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.awjlaw.com\/wp-content\/uploads\/2025\/07\/how-long-does-an-insurance-company-have-to-investigate-a-claim.jpg\",\"datePublished\":\"2025-07-24T08:43:19+00:00\",\"dateModified\":\"2026-01-12T14:53:51+00:00\",\"description\":\"Learn how long an insurance company has to look into your claim and how our lawyers will help if an insurer tries to delay its decision.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.awjlaw.com\/faqs\/how-long-does-an-insurance-company-have-to-investigate-a-claim\/#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.awjlaw.com\/faqs\/how-long-does-an-insurance-company-have-to-investigate-a-claim\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\/\/www.awjlaw.com\/faqs\/how-long-does-an-insurance-company-have-to-investigate-a-claim\/#primaryimage\",\"url\":\"https:\/\/www.awjlaw.com\/wp-content\/uploads\/2025\/07\/how-long-does-an-insurance-company-have-to-investigate-a-claim.jpg\",\"contentUrl\":\"https:\/\/www.awjlaw.com\/wp-content\/uploads\/2025\/07\/how-long-does-an-insurance-company-have-to-investigate-a-claim.jpg\",\"width\":1000,\"height\":667,\"caption\":\"An insurance agent examines and takes notes while viewing a vehicle damaged in a car wreck. 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