What To Do When an Insurance Company is Stalling

Dealing with an insurance company that is delaying your claim can be an incredibly frustrating and stressful experience. Policies are meant to safeguard you during difficult times, yet delays can leave you feeling vulnerable and overwhelmed. Unfortunately, some insurance companies use tactics to postpone payouts, hoping policyholders will eventually give up. But you don’t need to accept these delays passively. There are actionable steps you can take to hold your insurer accountable and secure the benefits you’re owed. At Monahan Tucker Law, we’ve seen firsthand how frustrating these situations can be. We are here to help you navigate through the stalling tactics of insurance companies.

Understand Your Policy and Your Rights

The first step when facing delays is to revisit your insurance policy details. Understanding your coverage, exclusions, and the insurer’s responsibilities can help you identify whether delays are justified or a bad faith tactic. Pay particular attention to the timeline outlined for claims processing, as some policies or state laws require insurance companies to respond within specific periods—often 30 to 45 days.

If you’re unsure about your rights, familiarize yourself with consumer protections in your state. For instance, most states have unfair claims settlement practices laws that require insurers to act promptly and fairly during the claims process. Knowing these protections can empower you when communicating with your insurer.

Document Everything

Good record-keeping is essential to combat delays effectively. Keep all correspondence between you and the insurance company, including phone conversations, emails, and letters. Be sure to log dates, names of representatives you’ve spoken with, and details of the discussions. If possible, communicate through written formats like email so you have a paper trail to reference later.

Additionally, maintain evidence related to your claim. For example, keep medical records, doctor’s notes, and any other relevant documents that support your claim. This documentation will be crucial in proving your case if the insurance company continues to stall.

Communicate Strategically With the Insurer

Consistent and proactive communication can sometimes resolve delays. Follow up regularly with your insurer, and don’t hesitate to ask for updates on your claim’s status. When speaking to a representative, remain polite but firm. Ask direct questions like, “What specific information is causing a delay in my claim being processed?” and request a timeline for resolution. Escalate your concerns to a supervisor if you feel the initial representative isn’t addressing the issue.

If the insurer cites missing information or errors as reasons for the delay, respond quickly by providing the requested documents. However, be cautious of excessive or irrelevant requests, as these could signify a bad faith tactic intended to stall your claim.

Know When to Escalate or Seek Legal Help

When delays persist despite your efforts, it may be time to escalate. You can file a formal complaint with your state’s insurance department. This action often prompts insurers to address unresolved claims more urgently.

If delays continue or your insurer refuses to act in good faith, consider consulting an attorney who understands insurance disputes. Skilled lawyers understand the intricate practices of insurance companies and can identify bad faith behaviors. They can also negotiate on your behalf or file a lawsuit if necessary to ensure you receive the compensation you’re entitled to.

Monahan Tucker Law Can Help You Move Forward

At Monahan Tucker Law, we understand how emotionally and financially draining it can be to fight an insurance company that is dragging its feet. Our team has the insight to resolve stalling tactics and bad faith practices, turning the tide in your favor. Whether it’s property damage, life insurance, or long-term disability claims, we’ll fight for what’s rightfully yours so you can focus on other aspects of your life.

Don’t face your insurers alone. Contact us today for a consultation and take the first step toward ending the delays.