After an accident, you expect your insurance company to step in and help you get back on your feet. But what happens when they don’t? The frustration can quickly feel overwhelming when every phone call, email, and document submission seems to go unanswered. You’re already dealing with the emotional and physical toll of an accident, so why is your insurance company adding to the stress by dragging its feet?
Unfortunately, insurance delays are a common issue that many accident victims deal with. The good news is that you’re not powerless. With the right knowledge and support, you can take action to avoid being stuck in limbo for months.
Why Do Insurance Companies Delay Settlements?
Insurance companies are businesses. And like any other business, their ultimate goal is to make money—not lose it. Unfortunately, this sometimes means they prioritize their bottom line over giving you the timely assistance you deserve.
Here are some of the most common reasons for delays:
1. Lowball Settlement Offers
Sometimes, delays are a strategy. By stalling, insurance companies hope you’ll grow impatient and accept a lower settlement than you’re entitled to. They know that the stress of waiting can push victims into quick decisions that save them money.
2. “Missing” Documentation
A frequent excuse is that the company needs more documentation before proceeding. They might claim they didn’t receive medical records, police reports, or repair estimates—even if you already sent them. This can create delays that drag on for weeks or months.
3. Internal Bottlenecks
Insurance companies may claim they're dealing with a high volume of cases or that your claim is stuck in the review process. While this seems like a reasonable excuse, in many cases, it’s simply a tactic to buy themselves more time.
4. Challenging Liability
Another common delay tactic is disputing who’s at fault for the accident. If the insurance company believes it can shift blame to someone else—even you—it will use this as justification to withhold payout while they “investigate.”
5. Confusion Over Policy Details
Sometimes, the company might argue your policy terms are ambiguous. They use this gray area to justify delays while " clarifying” coverage. This often happens when policies seem intentionally filled with jargon and legalese.
What You Can Do to Handle Insurance Delays
It’s one thing to know why insurance companies delay claims, but how do you handle the problem in real time? Luckily, there are steps you can take to protect your rights and keep the process moving forward.
1. Keep a Paper Trail
The first rule of dealing with an uncooperative insurance company is to document everything. Save emails, make notes about phone calls (including dates and the representatives’ names), and keep copies of any documents you’ve provided. This paper trail can prove invaluable if your claim ends up in a legal dispute.
2. Follow Up Consistently
Don’t wait weeks for an update. Proactively check in with your claims adjuster by phone or email and ask for status updates. Regular follow-ups show that you’re serious and won’t be ignored.
3. File a Complaint with the Insurance Department
Every state has a department of insurance that oversees how companies handle claims. You can file a formal complaint if you suspect your insurer is deliberately stalling. This often prompts companies to speed things up, as they must justify their actions to the state.
4. Avoid Making Recorded Statements
Be cautious when dealing with adjusters. They might ask you to provide a recorded statement, which can be used against you later. Politely decline or consult with an attorney before providing any statements.
5. Request Specific Deadlines
Ask your insurance company for concrete deadlines. For example, request they give updates on your claim status within 10 business days or finalize a resolution by a set date. While they might not meet these deadlines, asking adds pressure.
6. Know Your Rights
Every state has laws requiring insurance companies to handle claims in good faith. This means they’re obligated to process claims promptly and fairly. If they fail to meet these requirements, they could face legal consequences.
How a Personal Injury Attorney Can Help
If you’ve tried all the steps above and still aren’t seeing progress, it might be time to consider legal help. Personal injury attorneys specialize in holding insurance companies accountable and ensuring accident victims receive the compensation they deserve.
Cut Through the Red Tape
Attorneys understand the games insurance companies play. Whether it’s a lowball offer, unnecessary delays, or misrepresentation of policy terms, they’ll know how to counteract these tactics and cut through the red tape standing in your way.
Negotiate on Your Behalf
One of the biggest advantages of hiring an attorney is having someone who fights for your best interests. Insurance companies often take claims more seriously when they see an experienced lawyer is involved. This added pressure can speed up the process and even result in a higher settlement.
Strengthen Your Case
If your insurance company claims they don’t have enough evidence to proceed, your attorney can step in to strengthen your case. From obtaining expert opinions to gathering additional documentation, they’ll build a rock-solid argument for why you deserve compensation.
Take It to Court
Sometimes, negotiation isn’t enough. If your claim reaches a standstill, an experienced personal injury lawyer will file a lawsuit and represent you in court. Insurance companies know that drawn-out court battles can be costly, so this threat might encourage them to settle sooner.
No Upfront Costs
Most personal injury attorneys work on a contingency-fee basis, meaning they don’t get paid unless you win. This ensures that everyone, no matter their financial situation, can access quality legal representation without added financial burden.
You Don’t Have to Face This Alone
Dealing with an uncooperative insurance company can feel like an uphill battle. But you’re not alone in this fight. With the right steps and legal help, you can hold your insurance company accountable and ensure you get the support you deserve.
If your claim isn’t moving forward and you’re worried about your future, now is the time to act. Contact an experienced personal injury attorney who will listen to your frustrations, understand your case, and fight to get you the compensation you’re entitled to. Don’t wait any longer to take control of your situation.
Los Angeles Insurance Bad Faith Attorneys
In conclusion, navigating the nuances of insurance claims can be complex and frustrating. However, with the right guidance and strategies, it is manageable. Facing delays and unresolved claims may not only be daunting but also impact your financial, emotional, and mental well-being. Robins Cloud LLP in Santa Monica, CA, specializes in personal injury law and is dedicated to providing the support and expertise needed during these challenging times. Don’t hesitate to reach out to us at (800) 691-2363 for tailored assistance that can turn the tide in your favor and help secure your rightful compensation.