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How Long Does It Take to Receive a Car Accident Settlement in North Carolina?

If you’ve been involved in a car accident in North Carolina, you should be aware of the length of time it takes to receive a car settlement. It’s critical to be conscious of the repercussions a timing mistake can have on your ability to pursue your legal rights. Most car accident damage claims end in settlement since most people prefer having the control and predictability of a guaranteed payout instead of facing the risk of losing at trial or making less than what was offered at settlement.
Here, the Charlotte car accident lawyers at Dewey, Ramsay, and Hunt, P.A. explain why it’s important to understand that your right to file a lawsuit is not permanent. There are laws known as statutes of limitations prohibiting a lawsuit when it’s filed over three years after an accident occurs in North Carolina. You won’t have to worry about timing issues if you have a qualified attorney representing you through your insurance claim and the legal actions you pursue. Call us at (704) 377-3737 if you want to discuss the details of your car accident and the assistance that we can provide.

Timeline of Accident Insurance Claims

North Carolina’s “Prompt Pay” Law requires insurance companies to respond expeditiously to your insurance claim. The North Carolina Department of Insurance monitors compliance of insurance companies with laws and regulations. Based on these regulations, your insurer has a responsibility to respond to your claim within 30 days after the claim is filed. The “clock” for the 30-day period begins to run when the insurer or claims processor receives the claim.

Statute of Limitations for Car Accident Claims in North Carolina

If you’re involved in a car accident and you have a viable lawsuit, it must be filed within three years after the accident occurred. Like most states, North Carolina has time limits for filing a lawsuit for both personal injury claims and your property losses, including the damages to your vehicle.
You should seek consultation and hire qualified legal representation. A lawyer from Dewey, Ramsay, and Hunt can discuss seeking compensation for you. You should contact us so that we can assist you in calculating your timeline and determining what strategy is the best course of action.

Accident Settlements for Legal Claims in North Carolina

Car accident cases frequently do not go to trial with a car accident attorney because people prefer to avoid trial. Most people view settlements as a means to save money on legal expenses and receive money sooner than having to wait for the resolution of a trial. It’s essential to have a proactive legal counsel working with you and determining the best course of action.
While there is no specific timeline for an out-of-court settlement, you shouldn’t rush into an agreement. You may receive a settlement offer shortly after you file a lawsuit, but you need to understand the offer and determine if continuing to pursue the legal action can lead to a more favorable result. Your attorney can guide you based on the merits of your claim and all the possible outcomes based on the evidence supporting your case. Don’t make hasty decisions without the input of a qualified attorney.

Settlement Process During Civil Lawsuits

Civil lawsuits can last for many years. Settlements are attractive because they can avoid the extensive time and scheduling delays of trials. In North Carolina, parties to a civil lawsuit are required to attend mandatory settlement conferences. These mandatory conferences typically occur before a trial date is set, but at a point when both sides have had the opportunity to look at the evidence each party has collected.
While not all evidence is admissible at a trial, an experienced North Carolina car accident attorney can give you an indication of the disputes and evidentiary issues that can arise. For this reason, you should select an attorney with trial experience who understands the intricacies of personal injury litigation.
The statute of limitations does not regulate the length of your personal injury case; it only applies to the amount of time you have to file your case. Once your case is filed within the time limit, you no longer have to worry about the statute of limitations. Settlement conversations can occur at any time during the legal proceedings. Many settlements occur only days before the scheduled trial.

Call a Charlotte Car Accident Lawyer Offering Free Consultations

A settlement has many attractive benefits, such as saving on the hefty legal fees that can be incurred during a trial and avoiding the stress of lengthy litigation. If rejecting a settlement means a lengthy legal process, the decision can have serious repercussions on your ability to begin healing with the compensation you receive. If timing is an issue for you, it’s imperative that you discuss this concern with your attorney. Contact the Charlotte personal injury lawyers at Dewey, Ramsay, and Hunt, P.A. for questions about the time it takes to receive a car settlement. For more information about our services, call us at (704) 377-3737.


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When a new client comes to our office, they are not handed off to a paralegal. One of our attorneys meets with each new client personally on their first visit to our office. We will discuss the merits of your case with you, listen carefully to your concerns, and answer your questions at that time, without any obligation on your part.

We generally only accept those cases that we are willing to take all the way to trial. Many of our clients have come to us from other attorneys who only want to settle cases as quickly and as easily as possible. While settlements are generally desirable and we encourage them, some cases need to go through the litigation process to achieve their full value. The decision to file a lawsuit is made by the client after a full discussion of all relevant factors.


With over 30 years of combined experience, we have the skill and experience to see a case through from the initial investigation to seeing the case through at trial. If you cannot come to us, we will come to you to make sure you get the quality legal advice you need.


Charlotte Personal Injury Disclaimer: The medical and legal information presented on this web site, including Auto Accidents, Premises Liability, Wrongful Death and Workers Compensation, should not be construed to be formal legal advice nor the formation of a lawyer or attorney client relationship. Please contact one of our experienced North Carolina personal injury lawyers in our Charlotte law offices. Serving the greater Charlotte area. Copyright 2019-2020 Dewey, Ramsay & Hunt, PA