How long do I have to accept a settlement offer?

An offer can specify a deadline, and it can be withdrawn if not accepted. That's real.

But it's usually not what it sounds like. Insurers don't typically withdraw fair offers because a claimant took time to consider. An offer that expires and never returns is unusual; offers commonly reappear, frequently higher, once the claim is better documented.

The deadline's actual purpose is to compress your decision. A person given two weeks makes a different choice than one given as long as they need.

What matters far more than the offer's deadline is the statute of limitations. That's the real one, and it's now two years for most negligence claims rather than four. That's the deadline to protect.

Before accepting anything: confirm treatment is complete or the prognosis is clear, confirm you know the policy limits, and confirm all liens are identified.

If you're near the limitations deadline, that changes the analysis considerably and needs counsel immediately.