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The Personal Injury Settlement Agreement: What If the Money Doesn't Come?

After signing the personal injury settlement agreement release forms, your compensation should soon be on its way.

Allow at least 3-5 days for the insurance company to receive the documents, a couple more days for the check to be processed and sent out to you and then 3-5 days for it to reach you.

If two weeks have gone by and you still don't have your settlement money, then you should contact the insurance company.

It's almost never the adjuster's job to sign and send out the checks, but for now they're your only contact at the insurance company. Call them and ask if they can look into the delay on your personal injury settlement agreement check.

Be polite when dealing with them because, as far as they're concerned, you're no longer their problem. You're now in the hands of another department, so their only real motivation for helping you is to keep you from calling them again.

All you need is a confirmation that the check is on its way, or contact information for whoever is now handling your settlement compensation.

If your contact with the adjuster doesn’t seem to get you anywhere and your check still hasn't come, then get in touch with the person in charge of the claims department. By this time, more than four weeks would have passed without you receiving your settlement check.

The person in the claims department will want your claim number. It's a good idea to give them the name of the adjuster you dealt with as well. Also, tell them the amount of your personal injury settlement agreement.
No matter what their response, you should write a letter confirming the conversation and keep a copy for yourself.

Whatever you do, don't take the stance that it's okay for you to be patient for the time being.

While you may want to give the insurer the benefit of the doubt (either they're busy, you aren’t in too much of a hurry, or you trust that the wheels are in motion), not checking on the status of your payment can make your life harder later on.

So as long as the delay is significant, start making phone calls. If the personal injury settlement agreement check still hasn't arrived after a month has passed, you can contact your state insurance board.

The state insurance board will only help you if it's been more than a month since the check should have arrived.

They will also not intervene unless you can show that you have made several unsuccessful attempts to get the check on your own. That’s why those previous phone calls and letters are important.

If you didn’t make them before, then you'd have to start dealing with it now. And from there things might go on another month before the state insurance board can help you.



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