According to the Oregon Insurance Division's consumer guide, if you file an insurance claim you have a right to be informed of the process to be used to settle your claim and the progress of your claim. Insurance companies must respond to claim communications within 30 days. They must complete a reasonable investigation of a claim within 45 days, unless they can justify additional time is needed.

During the claim process you must cooperate with the insurer’s reasonable investigation of your claim. Failure to cooperate may result in a delay in payment or even the insurance company denying your claim.

In general, insurance companies try to pay claims in a prompt and reasonable amount of time. However, what constitutes "prompt and reasonable" may vary from claim to claim.

Unique situations, special circumstances or an adjuster with an increased case load due to extreme weather events such as a blizzard can slow the process the claims process down.

If you want to know more about your consumer rights regarding a car insurance claim in Oregon you can contact the OR Insurance Division directly. To see if your insurance company has any time limits regarding claims beyond the OR state laws, read through your policy and check with both your insurance agent and the claims adjuster working on your claim.