How long after a demand letter is a settlement reached?

Most straightforward Oklahoma car accident claims settle within 30 to 90 days after a demand letter is sent, assuming the insurer responds and negotiations proceed in good faith. Cases involving disputed liability or serious injuries typically take 3 to 9 months from the demand letter to settlement. If a lawsuit must be filed, resolution can take 12 to 36 months.

What if the insurance company rejects my demand letter?

A rejection is not the end of your claim. The insurer may dispute your valuation, challenge liability, or make a counteroffer well below your demand. Your attorney will analyze the grounds for rejection and advise on the best response — whether that is presenting additional evidence, countering at a different number, or proceeding to file a lawsuit.

Can I negotiate after a demand letter has been sent?

Yes — in fact, negotiation is the expected next step after a demand letter. The demand letter states your position; the insurer’s response opens the negotiation. Multiple rounds of offers and counteroffers are normal before reaching a final number.

What is the difference between a settlement timeline and a trial timeline?

Settlement can happen at any point — before or after filing a lawsuit. The negotiation phase after a demand letter typically resolves within weeks to a few months. If a lawsuit is filed, the case enters discovery (exchanging evidence, depositions), which adds several months.

What factors affect how fast my car accident case settles?

The five biggest factors are: (1) how quickly you reach maximum medical improvement, (2) the clarity of fault, (3) the insurer’s willingness to negotiate in good faith, (4) the severity and documentation of your injuries, and (5) lien complexity. Cases with clear liability, documented injuries, and a cooperative insurer settle fastest. Cases with disputed fault, ongoing treatment, or multiple liable parties take the longest.

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To contact Hasbrook & Hasbrook, call 405-605-2426, use the form on this page, or schedule a free conference call or in-person consultation online. The office is at 400 N Walker Ave, #130, Oklahoma City, OK 73102. Consultations are free for anyone with a personal injury question.

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Our personal injury lawyers at Hasbrook & Hasbrook represent people injured in accidents throughout Oklahoma, including: Oklahoma City, Bethany, Del City, Ardmore, Owasso, Enid, Edmond, Muskogee, Stillwater, Shawnee, Ponca City, Norman, Moore, Midwest City, Lawton, Jenks, Duncan, Broken Arrow, Bixby, Bartlesville, Yukon, and Tulsa.

About Our Firm

We believe in holding insurance companies accountable. Accountability enhances our community’s safety and is pivotal in preventing additional needless tragedies. As personal injury attorneys, we choose to represent people instead of corporations and insurance companies. Our mission emphasizes the importance of safety standards and justice, seeking to prevent tragedies and transform lives impacted by negligence. Through accountability, we ensure a safer community for all of us.

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