It is now time to submit the demand for settlement in your case. This is the part where we sit back and wait. Under Georgia law, the insurance company must be given at least 30 days to respond to your demand. The kicker is that they do not necessarily have to respond with a settlement offer. There are several answers we could receive from the insurance company: we need more time to respond, we are not interested in settlement at this time, we are not liable for the claim, or they could offer you an amount much less than what we requested.