Claim Payment Deadline Lookup
Look up how many days your state gives an insurer to acknowledge, decide on, and pay your claim.
Not legal, financial, or insurance advice. This tool gives a general, educational estimate only. Insurance laws, deadlines, and formulas vary by state, by policy, and by insurer, and they change over time. Verify anything important with your insurance policy, your state department of insurance, or a licensed attorney before relying on it. Insurance claims-handling regulations are updated periodically — verify current deadlines with your state department of insurance.
Why claim deadlines exist
Every state regulates how long an insurer can sit on your claim, through unfair claims settlement practices laws. These rules set deadlines for acknowledging a claim, deciding whether to accept or deny it, and paying out once you’ve agreed to a settlement.
Frequently asked questions
What can I do if my insurer misses these deadlines?
You can file a complaint with your state department of insurance, which regulates these timelines. A pattern of missed deadlines can also support a 'bad faith' claim in some states.
Do these deadlines apply to health or home insurance too?
This tool focuses on auto insurance claims specifically. Many states use similar (sometimes identical) rules across insurance lines, but always confirm for your specific type of claim.