If you’ve been injured in a car accident in Minneapolis, you’re likely wondering how long it will take to get compensation—especially if the at-fault driver is insured by State Farm. While most accident claims settle without going to court, timelines can vary depending on the details of your case and how cooperative the insurer is.
Below, we break down the typical car accident claims process in Minnesota, how long it takes to resolve claims with State Farm, and what you can do to avoid delays.
Understanding the Claims Process With State Farm
To start your claim, you’ll need to notify State Farm and submit documentation showing what happened and how you were injured. You can file your claim directly through State Farm’s website or by phone.
Your claim should include:
- A copy of the police or accident report
- Medical records showing your injuries
- Bills from medical providers, including hospitals and ambulances
- Proof of lost wages from missed work
Once submitted, State Farm assigns your claim to an adjuster who will investigate liability and coverage. They’ll assess whether the policy was active, whether the insured caused the crash, and whether your injuries are tied to the accident. If there are no coverage issues, the adjuster will offer a settlement—but it may be lower than your claim is worth.
Timelines for Settling Claims in Minnesota
Minnesota law requires insurers to follow certain timelines when handling claims:
- 10 business days to acknowledge your claim
- 30 days to accept or deny the claim (unless more time is needed for investigation)
- 60 business days from the time they receive “proof of loss” to make a final decision
If any part of your claim is incomplete—like a missing ambulance bill—State Farm may request it before the clock starts on the 60-day deadline. Once they have the necessary documents, they’re legally expected to respond within about three months.
What Affects the Timeline of Your Settlement?
Several factors can affect how long it takes for State Farm to settle your case:
- Disputes over fault: If liability isn’t clear, the investigation will take longer.
- Missing documentation: Claims without full medical records or proof of damages often stall.
- Serious injuries: Larger claims typically undergo more scrutiny before a settlement offer is made.
- Legal complexity: If your case involves multiple vehicles, uninsured drivers, or policy exclusions, expect delays.
Although State Farm ranks highly for customer satisfaction in the Central Region (per J.D. Power), every case is unique—and some require more back-and-forth or even legal action to resolve.
How to Keep Your Claim Moving
To avoid unnecessary delays, be proactive:
- Work with a personal injury attorney who can prepare a complete, well-supported claim.
- Respond promptly to any requests from the insurance adjuster.
- Don’t accept a lowball offer—your lawyer can negotiate for a fair settlement.
Under Minnesota law, State Farm can take up to 60 business days after receiving complete documentation to settle your claim. With the right preparation and legal support, many claims resolve faster—and for higher amounts.
Know What to Expect—and How to Protect Your Rights
While State Farm often resolves Minneapolis car accident claims within a few months, delays can still happen—especially if there are disputes over fault or missing documentation. Understanding Minnesota’s claims timelines and working with a qualified attorney can make a big difference in how smoothly your case moves forward.
If you’ve been injured in a crash and need help navigating the process, don’t wait. A Minneapolis car accident can protect your rights, negotiate with the insurance company, and help you pursue the full compensation you deserve.
For more information, please contact an experienced car accident lawyer at Hall Law Personal Injury Attorneys to schedule a free initial consultation today. We have three convenient locations in Minnesota, including Minneapolis, St. Cloud, and Edina.
We proudly serve Hennepin County, Stearns County, and its surrounding areas:
Hall Law Personal Injury Attorneys – Minneapolis
825 Nicollet Mall, Suite 615
Minneapolis, MN 55402
(800) 292-1979
Find us with our GeoCoordinates: 44.97514068188609, -93.27349979814521
Hall Law Personal Injury Attorneys – St. Cloud
1010 W St Germain St # 320
St Cloud, MN 56301
(320) 255-1000
Find us with our GeoCoordinates: 45.55903612908877, -94.16420517306956
Hall Law Personal Injury Attorneys – Edina
5200 Willson Rd #203
Edina, MN 55424
(952) 697-5560
Find us with our GeoCoordinates: 44.90963991439301, -93.34937342327198
