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How Long Will It Take to Get a Check from My Car Accident Settlement in TX?

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Roxell Richards
Getting into a car accident can be a stressful experience, and dealing with the aftermath often adds to that stress. One common concern is how long it will take to receive a check from your car accident settlement. This timeline can vary depending on several factors, especially in Texas.

In general, the method you used to reach your settlement will determine how long it takes you to have the money in hand.

You may have personally negotiated and agreed to a settlement with the insurance company since you had few or no injuries. In this scenario, you should expect your money in a short time.

The more likely situation, though, is that you have a car accident lawyer representing you in a personal injury case if you’re injured in your car.

In this circumstance, your lawyer has already factored in, computed, and negotiated several particulars related to your insurance claim.

You have already reached a settlement agreement based on those considerations, so the important question now is: How long does it take to receive a settlement cheque following a vehicle accident? Alternatively, How long does it take to receive the money that was settled in a car accident?

Two people shaking hands over a contract with cash, symbolizing a successful car accident settlement in Texas and the importance of legal assistance.

How Long Does It Take to Get a Settlement Check from a Car Accident?

After signing a settlement agreement, it generally takes about six weeks to receive your car accident settlement check. However, this timeframe can vary depending on several factors.

Awaiting Your Settlement Check in Texas

If you’ve been involved in a car accident in Texas, it’s natural to feel anxious about receiving your settlement money. Understanding the process and the factors that influence the timeline can help manage your expectations.

Settlement Agreement

You must sign the settlement and release document first. The conditions of the settlement are laid out in this agreement for each party.

Insurance Business Sent A Check

Your attorney will get the cash from the insurance company once the settlement agreement has been executed and signed.

It will be deposited into your attorney’s trust or escrow account. Your lawyer will take their fees out of your settlement and use the money to pay any liens or other costs you could be accountable for once the cheque clears.

Liens or costs can include, for example:

· Medical bills not paid,

· Texas government liens from programs like Medicaid and Medicare child support arrears,

· Fees for experts.

These are particular to your situation. Your attorney can furnish an expense report in addition to your cheque.

After You Get Your Check

Ultimately, the settlement check will be sent to you by your attorney.

It makes sense that receiving your vehicle accident settlement cheque could take several weeks, since there are a lot of stages and parties involved.

What Happens If I Do Not Receive My Settlement Check Within Six Weeks?

If you do not receive your settlement check within six weeks from the date you signed the settlement documents, contact your personal injury attorney. There are several reasons why your check may be delayed:

Large Settlements: If your settlement is over six figures, the insurance company may take longer to verify the amount and issue the check.
Outstanding Liens: Your attorney may be temporarily holding the payment while negotiating outstanding liens on your behalf.
Annuity Payments: You may have agreed to annuity payments, resulting in smaller, periodic payments over time.

By contacting your attorney, you can gain a clear understanding of why your check may be delayed.

Hourglass and calendar highlighting the waiting period for a car accident settlement in Texas, emphasizing the importance of timely legal action.

Factors Affecting the Timeline

Several elements influence how quickly you can expect to receive your settlement check:

  1. Insurance Company Processing: Each insurance company has its own procedures and timelines for processing claims. Some may move quickly, while others may take longer to finalize the settlement.
  2. Completing Necessary Paperwork: Ensuring that all documents are properly completed and submitted is crucial. Any errors or omissions can cause delays.
  3. Negotiations and Approvals: The negotiation process between your attorney and the insurance company can impact the timeline. Once an agreement is reached, it still needs to be approved and processed.
  4. Medical Treatment and Final Bills: If your medical treatment from car accident is ongoing or if final bills are not yet available, it can delay the settlement. All medical expenses must be accounted for before the settlement can be finalized.
  5. Court Involvement: If your case goes to court, the timeline can extend significantly. Court schedules, hearings, and potential appeals can all add time to the process.

Typical Timeline for Car Accident Settlements in Texas

While every case is unique, a typical timeline for receiving a settlement check in Texas includes the following stages:

  1. Medical Treatment and Recovery: You need to complete your medical treatment or reach maximum medical improvement. This ensures that all your medical expenses are accounted for in the settlement.
  2. Claim Filing: Your lawyer will file a claim with the insurance company, providing all necessary documentation.
  3. Negotiations: Both parties will negotiate to reach a fair settlement amount. This can take several weeks or months, depending on the complexity of the case.
  4. Settlement Agreement: Once an agreement is reached, the insurance company will process the settlement. This can take a few weeks.
  5. Receiving the Check: After all paperwork is finalized, you should receive your check within a few weeks.

Understanding these factors can help you better anticipate when you might receive your settlement money. Working with an experienced attorney can also help expedite the process and ensure that all necessary steps are completed promptly.

Personal injury lawyer consulting with a client wearing a wrist brace in an office.

Role of Lawyers in a Car Accident

A car accident lawyer plays a crucial role in ensuring you receive fair compensation for your car accident settlement. They handle various tasks, including:

  • Gathering Evidence: Lawyers collect and organize all necessary documentation, including medical records, police reports, and witness statements.
  • Negotiating with Insurance Companies: Experienced lawyers negotiate on your behalf to ensure you receive a fair settlement.
  • Legal Representation: If the case goes to court, your lawyer will represent you and advocate for your best interests.
  • Advising on Legal Matters: Lawyers provide guidance on the legal aspects of your case, helping you understand your rights and options.
Houston Car Wreck Attorney

If you’ve been in a car accident in Houston, consulting with a local attorney who specializes in car wreck cases is crucial. Here’s why a Houston car wreck attorney is indispensable for your case:

In-Depth Knowledge of Texas Laws
  • State-Specific Regulations: Texas has unique laws and regulations concerning car accidents, insurance claims, and personal injury. A Houston car accident attorney is well-versed in these specifics, ensuring that your case complies with all legal requirements.
  • Statutes of Limitations: They are aware of the deadlines for filing claims and can ensure that you don’t miss any critical timelines.
Understanding the Local Legal Landscape
  • Local Court Systems: Familiarity with the Houston court systems and local judges can be an advantage in navigating your case effectively.
  • Community Relationships: Local attorneys often have established relationships with local law enforcement, medical providers, and other professionals who can support your case.
Expertise in Car Wreck Cases
  • Specialized Experience: Attorneys specializing in car wreck cases have experience dealing with the intricacies of accident claims, from determining fault to assessing damages.
  • Proven Track Record: They often have a history of successful case outcomes, providing you with a better chance of receiving fair compensation.
Streamlining the Process
  • Efficient Case Management: They can handle all paperwork, communications, and negotiations, making the process less stressful for you.
  • Quick Resolution: Experienced attorneys know how to expedite the process, minimizing delays and working towards a faster settlement.
Negotiating with Insurance Companies
  • Insurance Tactics: Insurance companies often use strategies to minimize payouts. A seasoned attorney can counteract these tactics and fight for the maximum compensation you are entitled to.
  • Fair Settlements: They are skilled negotiators who can ensure that the settlement covers all your medical expenses, lost wages, and other damages.
Providing Legal Representation
  • Court Representation: If your case goes to court, having a knowledgeable attorney to represent you can significantly impact the outcome.
  • Advocacy: They advocate for your rights and best interests throughout the legal process, providing you with peace of mind.
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Advising on Legal Matters
  • Clear Guidance: Attorneys can explain complex legal concepts in understandable terms, helping you make informed decisions about your case.
  • Strategic Planning: They offer strategic advice on the best course of action, whether negotiating a settlement or pursuing litigation.


Receiving a settlement check after a car accident in Texas can take some time, but understanding the process and having a knowledgeable lawyer by your side can make it smoother.

By addressing all necessary steps and leveraging the expertise of a Houston car wreck attorney, you can improve your chances of a fair and prompt settlement.

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