Claim Payment Deadline Lookup
Look up how many days your state gives an insurer to acknowledge, decide on, and pay your claim.
Short answer
Most states give insurers a set number of days to acknowledge a claim (often 10 to 15) and to accept or deny it once they have proof of loss (often 15 to 30), then a deadline to pay. About 15 states set no number and require only reasonable promptness. Pick your state for its exact days and the rule they come from.
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.
Claim deadlines by state
| State | Acknowledge your claim | Accept or deny | Pay after settlement |
|---|---|---|---|
| Alabama | 15 calendar days | 30 calendar days after proof of loss | 30 calendar days after agreeing the amount |
| Alaska | 10 working days | 15 working days after proof of loss | 30 working days after proof of loss (undisputed part) |
| Arizona | 10 working days | 15 working days after proof of loss | 30 days after proof of loss (interest if late) |
| Arkansas | 15 working days | 15 working days after proof of loss | 10 working days after the claim is ready for payment |
| California | 15 calendar days | 40 calendar days after proof of claim | 30 calendar days after accepting the claim |
| Colorado | No fixed deadline (reasonably promptly) | 60 calendar days after a complete claim | 60 calendar days after a complete claim (decision and payment) |
| Connecticut | No fixed deadline (reasonably promptly) | No fixed deadline (a reasonable time) | No fixed deadline (a reasonable time) |
| Delaware | 15 working days | 30 days after proof of loss | No fixed deadline (a reasonable time) |
| Florida | 14 calendar days | 30 days after proof of loss, if you ask in writing | 20 days after a written settlement agreement |
| Georgia | 15 days | 15 days after proof of loss (60 days from notice at most) | 10 days after the amount is agreed |
| Hawaii | 15 working days | No fixed deadline (a reasonable time) | 30 calendar days after liability is accepted |
| Idaho | No fixed deadline (reasonably promptly) | No fixed deadline (a reasonable time) | No fixed deadline (a reasonable time); attorney's fees risk after 30 days |
| Illinois | 15 working days | No fixed deadline (a reasonable time); written delay notice after 40 days | 30 days after liability is accepted |
| Indiana | No fixed deadline (reasonably promptly) | No fixed deadline (a reasonable time) | No fixed deadline (a reasonable time) |
| Iowa | 15 days | 30 days after proof of loss | 30 days after liability is accepted |
| Kansas | 10 working days | 15 working days after proof of loss | No fixed deadline (a reasonable time) |
| Kentucky | 15 business days | 30 calendar days after proof of loss | 30 calendar days after proof of loss |
| Louisiana | 14 days (the insurer must start adjusting the claim) | 30 days after proof of loss (written offer) | 30 days after proof of loss |
| Maine | No fixed deadline (reasonably promptly) | No fixed deadline (a reasonable time) | 30 days after the amount is agreed (interest if late) |
| Maryland | 15 working days | 15 working days after proof of loss | No fixed deadline (a reasonable time) |
| Massachusetts | No fixed deadline (reasonably promptly) | No fixed deadline (a reasonable time) | No fixed deadline (a reasonable time) |
| Michigan | No fixed deadline (promptly) | No fixed deadline (a reasonable time) | 60 days after proof of loss (12% interest if late) |
| Minnesota | 10 business days | 30 business days after notice of claim | 5 business days after the settlement agreement |
| Mississippi | No deadline in state law | No deadline in state law | No deadline in state law |
| Missouri | 10 working days | 15 working days after claim forms are submitted | No fixed deadline (a reasonable time) |
| Montana | No fixed deadline (reasonably promptly) | 30 days after proof of loss (60 if more information requested) | 30 days after proof of loss (60 if more information requested) |
| Nebraska | 15 working days | 15 working days after proof of loss | 15 working days after you accept the offer |
| Nevada | 20 working days | 30 calendar days after the claim is received | 30 calendar days after the claim is approved |
| New Hampshire | 10 working days | 30 calendar days after notice of claim | 5 working days after agreement |
| New Jersey | 10 working days | 30 calendar days after notice of loss (auto physical damage) | 10 working days after the settlement agreement |
| New Mexico | No fixed deadline (reasonably promptly) | No fixed deadline (a reasonable time) | No fixed deadline (a reasonable time); interest after 45 days |
| New York | 15 business days | 15 business days after proof of loss | 5 business days after the settlement agreement |
| North Carolina | No fixed deadline (reasonably promptly) | No fixed deadline (a reasonable time) | 10 business days after settlement |
| North Dakota | No fixed deadline (reasonably promptly) | No fixed deadline (a reasonable time) | No fixed deadline (a reasonable time) |
| Ohio | 15 calendar days | 21 calendar days after proof of loss | 10 calendar days after accepting the claim |
| Oklahoma | 30 days | 60 days after proof of loss | No fixed deadline (a reasonable time) |
| Oregon | 30 calendar days | 30 calendar days after proof of loss | No fixed deadline (a reasonable time) |
| Pennsylvania | 10 working days | 15 working days after proof of loss | No fixed deadline (a reasonable time) |
| Rhode Island | 15 calendar days | 21 calendar days after proof of loss | 30 calendar days after liability is accepted |
| South Carolina | No fixed deadline (reasonably promptly) | No fixed deadline (a reasonable time) | No fixed deadline (a reasonable time) |
| South Dakota | 30 calendar days | No fixed deadline (a reasonable time) | No fixed deadline (a reasonable time) |
| Tennessee | 30 days | 60 days after proof of loss | 30 days after liability is accepted |
| Texas | 15 calendar days | 15 business days after final proof of loss | 5 business days after the insurer says it will pay |
| Utah | 15 days | 30 days after a complete proof of loss | 30 days after proof of the loss and its amount |
| Vermont | 10 business days | 15 business days after proof of loss | 10 business days after settlement |
| Virginia | 15 calendar days | 15 calendar days after proof of loss | No fixed deadline (a reasonable time) |
| Washington | 10 business days | 30 calendar days after notice of claim | 15 business days after settlement documents |
| Washington D.C. | No fixed deadline (reasonably promptly) | No fixed deadline (a reasonable time) | No fixed deadline (a reasonable time) |
| West Virginia | 15 working days | 10 working days after the investigation ends | 15 working days after the settlement agreement |
| Wisconsin | 10 days | No fixed deadline (a reasonable time) | 30 days after written notice of the loss and amount |
| Wyoming | No fixed deadline (reasonably promptly) | 45 days after the claim and bills (decide and pay) | 45 days after the claim and bills (decide and pay) |
Deadlines for every state come from that state's unfair claims settlement practices statute or regulation, read by our editorial team in October 2026; each state lists its citation. "No fixed deadline" means the law requires reasonable promptness without a number of days. Rules change; confirm with your state department of insurance before relying on a specific number of days.
Already settled a claim? Share the first offer and what you finally got, anonymously, in 30 seconds. It helps us build the Lowball Index, which we publish once enough claims are in.
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.
When does the clock start?
It depends on the stage. Acknowledgment deadlines usually run from when the insurer receives notice of your claim. Decision deadlines often run from when they receive a complete proof of loss or all requested information, which is why insurers sometimes ask for more documents.
Are these deadlines in calendar days or business days?
It varies by state, and the table says which. Texas, for example, uses business days, while California uses calendar days.