How Long Does It Take State Farm To Settle Claims in Charleston, SC?

Ty Robinson | April 10, 2025 | Car Accidents

There is no fixed timeline for a claim. However, State Farm does try to close out a claim in an appropriate time frame based on the facts of the accident. If you’ve been in a car accident, you probably want to get it over with as soon as possible or at least have an idea of when it will be over. Below is information regarding the length of time for State Farm to settle claims in Charleston, SC. 

The State Farm Settlement Process

State Farm has a long history of providing exceptional customer service to those it ensures. This includes access to their settlement tool that allows you to take guided photos of your vehicle to get an initial estimate and payout within 48 hours. This may be a viable option for some instances, but a faster payout is not always the best payout, and when you deal with insurance companies, it’s almost always the lowest payout offer. 

While straightforward claims may benefit from this quick process, claims that include significant property damage or physical injury may take weeks or months to investigate thoroughly or agree on a settlement amount. Claims with multiple parties can also take longer. 

What Contributes to How Long It May Take To Settle Your State Farm Claim?

Regardless of your insurance provider, there are countless considerations regarding how long it may take to settle a claim. You may have some influence over some of these factors, and others may be entirely out of your hands. 

Claim Complexity

A more complex claim may prolong your case’s time to settle. Whether the complexity is due to several involved parties or severe injuries, complexity may mean navigating multiple parties’ schedules, recovery, and needs during the investigation. 

Available Information

Information is the crux of a case. State Farm may not be able to complete the investigation or engage in reasonable negotiations until all relevant information is available. This may mean waiting for treatment outcomes or receiving the appropriate documentation to value the claim appropriately. 

Claim Value

The value of your claim can be a significant factor in how quickly your claim is settled. Like any other insurance company, State Farm prioritizes the financial bottom line. Therefore, they are constantly looking for ways to decrease the claim value. Many insurance providers will give a preliminary offer in the days following the accident. This offer is typically very low and may be best considered a starting point. If you accept that, your case may close out quickly, but you will almost certainly receive less than you deserve. 

However, when your damages are significant, you may face more pushback in the form of documentation requests and counteroffers. This negotiation process can sometimes delay your settlement by months or even more than a year, pushing you closer to the end of the three-year statute of limitations. This may be a strategy to increase pressure to accept a settlement that is less than you feel you deserve. 

How to Help Speed Up Your State Farm Claim

The best way to approach filing a claim with State Farm is to report immediately via the mobile app, website, or phone and be cooperative, honest, and timely. Provide clear documentation, including photos, police reports, medical records (if applicable), and repair estimates to strengthen your case. Respond promptly to your claims adjuster, keep detailed records of all communications, and use State Farm’s online tools for tracking. 

If delays occur, your claim is undervalued, or you face difficulties in the process, consider consulting a Charleston car accident attorney to help negotiate a fair and timely resolution while protecting your rights.

Contact Our Charleston Car Accident Lawyer At Ty Robinson Personal Injury & Car Accident Law Firm Today

If you were injured in an accident in Charleston, South Carolina, and need legal help, contact our Charleston car accident lawyer at Ty Robinson Personal Injury & Car Accident Law Firm to schedule a free case review today.

Ty Robinson Personal Injury & Car Accident Law Firm
28 Broad St Suite 204-2
Charleston, SC 29401
(843) 278-2222