Physical Damage: The time it takes to repair other physical damages to your vehicle depends on the complexity of the claim filed. It is standard to receive your first contact with the insurance adjuster within one to three days of filing the claim. If an adjuster needs to look at the damage, it can take a couple more days. Using an insurance carrier approved body shop can speed up the process.​ Expect a cut and dry physical damage claim to take one to two weeks to get finalized. This includes coordinating with a body shop and getting scheduled for repair. If your car is drivable, you can drive it until the date of repair.