Typically once a stolen car is found and declared a total loss an insurance company will investigate the incident and then have to determine the value. The amount of time it will take for the insurance company to conclude their investigation and offer a settlement will differ depending on the insurance company and state laws.

Many states, such as Florida, do not have a specific time limit of which the company must come to a settlement agreement. They request it to be a reasonable amount of time though. Other states, such as New Jersey have a specific time period, 30 calendar days, in which an insurance company needs to settle your claim or let you know that they need to extend this time period. They must do so with a written notice explaining the reason for the delay.

You can contact your state's insurance regulator to find out what your state laws allow and continue to be in contact with your claim's adjuster to find out why the settlement is taking longer than a month.