What Should I Do if My Insurance Company Is Stalling?
Are you feeling stuck because your insurance company is dragging its feet on your claim? It’s completely understandable to feel frustrated when your bills are piling up, yet it seems like you aren’t making any progress. If you are in such a situation, this article is here to help. While some delays may be reasonable, such as when information is incomplete or specific discrepancies need clarification, others are unjustified. Some insurers intentionally stall to pressure you to accept a low-ball offer or reduce your financial recovery. But it doesn’t have to be this way. With the right approach, you can push your claim forward and secure the compensation you deserve. Keep reading to learn how to handle a stalling insurance company.
Common Reasons for Delays
Insurance companies may delay claims due to clerical errors, incomplete information, or, in some cases, bad-faith business practices. The claims process is time-consuming, and you may encounter delays if the insurance is processing high volumes of claims, if the information given to the insurance company is incomplete, or if there appears to be discrepancies. However, some insurers intentionally stall in bad faith to pressure you into accepting a lower settlement, especially if you’re straining financially. They might create unnecessary hurdles, such as excessive paperwork requests, poor communication, or unexplained actions, all designed to frustrate you or even deny your claim outright.
How To Handle a Stalling Insurance Company
If you believe your insurance company is stalling on your claim, the following strategies may be a game-changer for your case:
- Detailed Documentation
Start by gathering and organizing all relevant documentation for your claim. This includes receipts, medical records, notes, police reports, and pictures. This provides an efficient reference point that can combat stalling.
- Effective Communication With the Insurer
Another way to handle a stalling insurance company is to communicate effectively with them. Send regular requests for updates if they are unresponsive, always request acknowledgment receipts, and keep a detailed correspondence record of all interactions, including emails, letters, texts, and notes of phone conversations in case you need to escalate the issue.
- Consider Taking Legal Action
If the above strategies do not prompt expedited action, consider working with an insurance attorney who can help protect your rights and interests. They can offer personalized legal guidance, clarify your rights, and confidently help you navigate the claims process. Additionally, they’ll evaluate whether the insurance company’s behavior amounts to bad faith and advise on possible legal actions. Whether this may involve negotiating a fair settlement or pursuing a lawsuit, your attorney will take the necessary steps to ensure you receive the compensation you deserve.
- Consider a Demand Letter
If there is no progress on your insurance claim, your attorney may recommend taking action by sending a formal demand letter. This letter presents the facts of your case, including proof of your injuries and a comprehensive breakdown of your damages, demanding a fair settlement. A well-drafted demand letter makes it clear that you are relentless in pursuing fair compensation and are ready to take legal action if necessary. It’s one of the most powerful tools to push back against stalling tactics and move your claim forward.
Contact Gunn Law Group P.A. Today
If your insurance company is stalling your claim, contact our experienced Tampa insurance bad faith lawyers at Gunn Law Group P.A. today to review your case and push your claim forward.
Source:
law.cornell.edu/wex/settlement
