There is no law that sets a deadline or timetable for the car insurance company to respond to your demand letter. Every case is different, and not every car insurance company follows the same claim processing timeline. What's more, the amount of time the insurer is taking to respond to your demand letter has no bearing on how seriously the carrier is taking your claim. Having said that, there are a few things you can do to "encourage" a prompt response. And if you haven't heard from the insurer in 45 to 60 days, you can and should follow up.
First, when you're preparing your car accident demand letter, you can make a professionally-worded request that the insurance company respond to your letter within a certain time period.
For example, toward the end of the letter, you can add a few sentences like: “Thank you for your consideration. Please respond to this letter within 30 days.”
Or, if you want to present a little more of a “take charge” air, go with something like: “I look forward to receiving your reply no later than 15 days from your receipt of this demand letter.”
The inclusion of language like this can motivate a more timely response, but there is no law that you can point to in order to back up these requests. And what if you include language like this in your demand letter, and you still haven’t received a response from the insurance company after 45 to 60 days? It’s appropriate to follow up with the insurance carrier, reminding them that you sent the letter, and requesting that they respond.
You should send this follow up inquiry in writing, providing all relevant claim information, noting the date on which you mailed the demand letter, and providing your current contact information.
If another 30 days or so pass, and you still haven’t heard from the insurance carrier, it’s time to call the company and ask to speak to the adjuster (if one has been assigned and you know his or her name) or the claims administrator. Be sure to document this conversation (the date on which it took place, who you spoke with, and what was said), and mail a follow-up letter to the insurance carrier in which the conversation is summarized. That should kick-start the settlement process.