A number of factors affect the time it takes to get a settlement for a totaled car, resulting in payout times that range from weeks to months. Once the insurance company determines a settlement amount, it sometimes takes an additional two weeks to receive payment, says The Law Dictionary.
Determining total loss on a vehicle takes anywhere from one week to two months, depending on the extent of the damage, says Autoblog. Legal negotiations between the insurance companies sometimes take months beyond that. Finally, holds or releases placed on the settlement check extend the amount of time it takes for the insurance company to issue the payment. If a lawyer is negotiating for the car's owner, the insurance company sends the check to him.