How Long Will My Chicago Car Accident Case Take to Settle?

This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by Founder, Joseph Conboy who has years of legal experience. Our last modified date shows when this page was last reviewed.

Last updated on: June 5, 2025

Joseph Conboy | June 5, 2025
How Long Will My Chicago Car Accident Case Take to Settle?

When you’ve been hurt in a car crash, one of the first things you probably want to know is how long it will take to get paid. You may be dealing with medical bills, lost income, and physical pain. While some cases settle quickly, others can take several months or even more than a year. Every personal injury case is different. The timeline depends on many factors, such as how badly you were hurt, how much evidence you have, and how the insurance company responds.

Conboy Law Injury & Medical Malpractice Lawyers understands that waiting can be stressful. That’s why our experienced personal injury attorneys work hard to move your case forward while also fighting for full and fair compensation.

We work hard to avoid unnecessary delays and secure a fair settlement that covers your injuries, medical treatment, and other losses.

Typical Timeline for a Car Accident Settlement in Chicago

Most car accident claims in Chicago follow a general timeline, but the length can vary.

Average Time Range

Some cases settle in a few weeks if the injuries are minor and the other driver’s fault is clear. But if your case involves serious injuries or complex facts, it may take several months or longer. Insurance companies often move slowly, especially in personal injury claims, where medical records and evidence must be reviewed. A personal injury lawsuit may also add months or even a year to the process if it goes to trial.

Every Case Is Unique

Many factors determine how long your case takes. If you’re still receiving medical treatment, your lawyer may wait until you reach maximum medical improvement to fully understand the cost of your recovery. This helps make sure you get the fair compensation you deserve for all your medical expenses and future care.

Key Factors That Affect Settlement Time

Key Factors That Affect Settlement Time

Severity of Injuries

More serious injuries, such as spinal injuries or injuries requiring long-term medical care, often mean a longer case. It takes time to fully understand the extent of your injuries and how they affect your life. That’s why gathering medical records and working with medical experts is so important.

Disputes Over Fault

If there is a disagreement about who caused the accident or if there are multiple parties involved, it can delay your case. Proving fault may require evidence like photos from the accident scene, witness statements, or even accident reconstruction experts.

Insurance Company Tactics

Sometimes, an insurance company might offer a low settlement at first. They may try to avoid paying the full amount. That’s why having a strong legal team helps. Your personal injury attorney can negotiate with the insurance company to pursue a more favorable offer.

Whether a Lawsuit Is Filed

Some settlement discussions don’t lead anywhere. If the insurance company doesn’t offer a fair amount, your lawyer may file a personal injury lawsuit. This step usually adds more time, but it’s often needed to get proper compensation.

Stages of a Chicago Car Accident Claim

Step 1: Investigation & Medical Treatment

After the crash, your personal injury lawyer will collect evidence, speak to witnesses, review the police report, and gather your medical records. You should also keep going to your medical treatment appointments to recover and show how the injury has affected you.

Step 2: Demand Letter & Negotiation

Once you’ve healed or reached maximum medical improvement, your lawyer will send a demand package to the insurance company. This outlines your injuries, medical expenses, and other costs. The negotiation process can take time, especially in complex personal injury cases.

Step 3: Filing a Lawsuit

If the insurance provider refuses to offer a fair settlement, your lawyer might file a lawsuit in court. This adds more steps, including sharing evidence and going to trial if needed. Even after a lawsuit is filed, many cases still settle before going to trial.

Should I Wait to Settle Until I’m Fully Healed?

Yes. It’s often better to wait before accepting a settlement until you’ve fully healed or reached your maximum medical improvement. If you settle too soon, you might not get paid for future medical expenses or other additional compensation you may need later. An experienced personal injury lawyer will guide you through this process to protect your personal injury claim.

How a Chicago Car Accident Lawyer Can Help Speed Up the Process

How a Chicago Car Accident Lawyer Can Help Speed Up the Process

Avoid Costly Delays

An experienced personal injury attorney knows how to move your case forward without mistakes or delays. They can help collect documents, work with doctors, and communicate with the insurance company to keep your case on track.

Build a Strong Case from the Start

Your lawyer will help gather evidence, file papers on time, and handle settlement negotiations. This gives you a better chance to get the fair settlement you deserve without dragging the case on for longer than necessary.

FAQs

A car accident attorney knows the personal injury law in Illinois and can help you from the first step all the way through the end of your case. They will explain the stages of the legal process, gather evidence, communicate with the insurance company, and work to obtain a settlement that fully covers your property damage, lost income, and medical expenses. If your case does not settle early, they can help you file a lawsuit and even go through post-trial motions if needed.

If your injuries came from a car crash, it falls under personal injury law. But if a doctor or nurse made a mistake while treating you after the crash, that could involve medical malpractice. An experienced attorney will look at every detail to decide which type of case you may have and make sure you follow the right legal steps.

During your initial consultation, the lawyer will ask questions about what happened in the accident, your injuries, and who you think caused it. You should also bring your medical records, police report, and any photos or witness information if you have them. This helps the lawyer start to determine fault and see if you can seek compensation from the other driver or their insurance company.

Some cases settle in just a few months, especially if injuries are minor and both sides agree on who is at fault. However, if there are several factors like serious injuries, multiple drivers involved, or the parties exchanging information but still not agreeing on who the liable party is, then it can take much longer. Your lawyer will do everything in good faith to move the case forward while protecting your rights.

Once your case is settled, you usually receive your settlement check within a few weeks. The time can vary depending on how fast the insurance company processes it and whether there are liens (like unpaid medical bills) that need to be paid out first. Your lawyer will help with all the paperwork to make sure you receive your money as soon as possible.

Contact Our Car Accident Lawyer Today for a Free Consultation

Contact Our Car Accident Lawyer Today for a Free Consultation

If you’ve been hurt in a car crash and are wondering how long it will take to get your settlement, we can help. At Conboy Law Injury & Medical Malpractice Lawyers, our law firm has helped many injured clients recover the money they need to move forward. Whether your case takes a few weeks or several months, we’ll be here every step of the way.

We’ll help you gather your medical records, talk to the insurance company, and build the strongest personal injury case possible. We’ll explain the legal process in simple terms and fight for the fair compensation you deserve.

Don’t wait too long or settle for less than you deserve. Contact us today for a free consultation with our experienced personal injury team.

Joseph Conboy
Founding Attorney

Joseph M. Conboy, founder of Conboy Law, represents victims of catastrophic injuries and wrongful death, securing numerous multi-million-dollar results. Recognized as a Super Lawyers Rising Star (2019–2022), he is a member of the American Association for Justice and Illinois Trial Lawyers Association. Mr. Conboy earned his J.D. from DePaul University and a B.A. in Economics from the University of Colorado.

Thanks to this amazing law firm, I was able to successfully bring justice and get the help I needed. They really care a lot about their clients, they’re 100 percent fully involved in your case and will do the most to make sure you get the help you need. Thanks for everything!
Tiffany H.
I can't say enough about Joseph Conboy. He was a true asset during our personal injury claim and had such an amazing legal approach, which made me feel like his top priority from day one! I'm so grateful we were able to work together for this win/win outcome.
Jackson K.
Our Location
Available to take your call 24/7
Request a FREE Consultation

Name(Required)
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
It's not just a case,
it's your life.
Request your free consultation

If you or a loved one has been injured, don’t hesitate to contact our injury attorneys today!

"*" indicates required fields

Name*
This field is for validation purposes and should be left unchanged.