Detailed answer — What to expect after you send a demand in Idaho
After you send a written demand to an insurer in Idaho, there is no single guaranteed timetable for an initial offer. The timing depends on the claim type, the completeness of your demand package, whether liability or coverage is disputed, and how much investigation the insurer must do. Below is a practical, step-by-step explanation of what typically happens and realistic time ranges you can expect.
Immediate acknowledgement (1–10 days)
Most insurers acknowledge receipt of a demand quickly. Expect a phone call, email, or a letter within a few days. That acknowledgement usually confirms the claim file is open and lists the adjuster handling the matter.
Initial review and requests for more information (7–30 days)
If your demand included clear documentation (medical records, itemized bills, wage loss proof, photos, police report), the adjuster can begin valuation at once. Often the insurer will request additional documents or schedule an independent medical exam (IME) or recorded statement. Each additional request can add days or weeks.
Investigation period and valuation (2–8 weeks)
The insurer evaluates liability, damages, and coverage. For a straightforward soft-tissue car wreck with clear liability and complete medical records, an initial offer can come in as soon as 2–3 weeks. For more complex injuries, multiple medical providers, disputed liability, or large medical bills, expect a longer investigation — often 4–8 weeks or more.
Coverage disputes or policy limits (variable — weeks to months)
If the insurer questions whether the policy covers the loss, or if the demand approaches or exceeds policy limits, settlement discussions may stall while underwriting, coverage counsel, or multiple insurers coordinate. That process can add several weeks to months.
When the insurer will typically make an initial offer
- Simple, fully-documented claims with clear liability: 2–4 weeks.
- Moderately complex claims (multiple providers, ongoing treatment): 4–8 weeks.
- Serious injury, pending surgeries, or disputes about fault/coverage: several months or longer; insurers may wait until medical treatment stabilizes or