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What To Do If Your Insurance Company Is Stalling

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Your Insurance Company May Be Stalling Your Claim In Bad Faith

Dealing with an unreasonable insurance company is never a fun event as it usually means you were involved in an accident, and you suffered property damaged, or worse, you were injured. After the incident, you want to get back to normal life as soon as possible, but what can you do if your insurance company is taking forever to process your claim? There are a few things you can do to expedite the claims process, but if you have all of your ducks in a row and the insurance company is still stalling, you may be dealing with a bad faith claim.

annoyed man on the phone with insurance company that is stalling his claim settlement

If you suspect your insurance company is stalling or delaying your claim without good reason, get in touch with an experienced Colorado bad faith insurance attorney right away so that we can put pressure on them to get your settlement paid out and for a fair amount. The good news is that Colorado law gives you leverage to fight back against insurance companies that deny or delay payment without good reason. Don’t let them stall your claim any longer, call Rector Stuzynski LLC today for a free consultation on your case.

Steps To Take If Your Insurance Company Is Stalling

If you are sure your insurance company is stalling your claim, there are steps you can take to get them moving faster. If you are not sure if they are stalling, read on to the next sections for clues that may give you a better idea on the situation you’re dealing with.
  1. Ask your insurer if they need any other documents, photos or information from you to proceed with your claim.
  2. Make sure you don’t lose any evidence supporting your claim during the waiting period after opening a claim with your insurance company.
  3. Get estimates from multiple contractors, repair shops or services you may need to get your property damages fixed right away so that you can tell if your insurance company is trying to lowball your settlement payout.
  4. Contact your insurance company regularly to check on the claim and ask for information regarding the claim. Do they need anything else? What is taking so long? When will I get my check to pay for damages? When is the insurance adjuster coming to check the damage? All of these are good questions to ask and keep a log of their answers as well as phone call times and dates so that you can prove you had these conversations if necessary at a later date.
  5. If you still aren’t getting anywhere, you can write a demand notice stating that you have been waiting for much too long and it is negatively affecting your life.
  6. Time to get your attorney involved. If you have gone through all of these steps and your insurer is still stalling, you need to call a bad faith insurance lawyer right away and have them handle the claim for you. We have decades of experience getting insurance companies to pay their fair share and will make sure you get what is owed to you in a timely manner by taking your insurance company to court if necessary.

Signs That Your Insurer Is Stalling Your Claim

If you don’t deal with insurance companies everyday, it can be tough to spot their tendencies when trying to stall your claim and as the person in need of the repair money, it can be very easy to just accept what they give you as quickly as possible. Don’t fall for their tricks, read over this list so you can spot the signs of stalling as they happen.
  • The insurer is asking for documents one at a time instead of all of them at once.
  • They immediately deny a completely valid claim.
  • Continuously asking for more paperwork and documentation that is unnecessary.
  • Multiple statements that the company just hasn’t reached a decision on your case yet.
  • Asking for unrelated or intrusive medical records.
  • Continuously asking for additional statements from service providers related to your medical treatment or property damage from the claim.
  • Telling you about the laws surrounding your case and how it’s handled in a false manner or lying about these laws altogether.
  • Insurance adjuster dodging your phone calls or not responding to your attempts to contact them.
  • Switching insurance adjusters on your claim multiple times in hopes that the adjusters will miss something and have to pay a lower amount on your settlement.

Why Your Insurer May Be Stalling Your Claim

You’re probably confused as to why your insurance company might be delaying your claim, but there are actually many reasons that companies do this and it’s usually so they can pay less money to their policy holders. Some of the most common reasons for insurance companies stalling claims are as follows:
  • Deny all claims from the start so that some claimants just give up and don’t pursue an actual settlement from the insurer, leaving them to pay out of pocket for legitimate claims that were actually covered by their policy.
  • Delay the claim as long as possible so that you eventually drop it or they make you wait long enough that you settle for a lesser payout because they know you need the money right away to get your life back to normal.
  • Sometimes adjusters are just plain unintelligent. We have seen this happen more than once where an adjuster didn’t understand the client’s needs, or even the laws that were clearly applicable to his case.
  • Waiting for extended periods of time can sometimes help the insurance companies because evidence can get lost or diminish over time. Some examples are witnesses not being able to remember the accident very well, claimants losing documentation, evidence or pictures of the accidents, more damage being done to the property after the original claim that can be portrayed as sabotage to the current claim and many more reasons that time can work in favor of the insurance company.
  • Letting enough time pass from the date of the incident can give the company the right to not have to pay your claim at all. This is where the statute of limitations comes in and can help or hurt you sometimes. Most insurance policies state that you have one year from the date of the incident to file a claim, but the statute of limitations may say otherwise depending on the nature of your claim and what state you are located in.

How Long Can They Legally Delay Your Claim?

Colorado has some excellent laws on the books to protect customers of insurance companies. Once you notify your insurance company of a claim, they have a duty to promptly evaluate the claim and to pay out what is fairly owed to you, as the insured. The standard for when a company is acting in bad faith, or unreasonably delaying or denying benefits, is not black and white, but depends on the circumstances of each individual claim. These variables include the nature of the accident, the amount of damages, whether an injured person had a pre existing condition, and even the amount of insurance coverage available.

If you feel like your insurance company is treating you unfairly in evaluating your claim, by either paying out less than you feel they owe, taking too long to make an offer, or even outright denying payment all together, reach out to an experienced Colorado Springs bad faith insurance attorney at Rector Stuzynski LLC for a free consultation and advisement.

Common Types Of Claims Insurers Stall On

Unfortunately, insurance companies are notorious for stalling on claims no matter what type of issue they are dealing with. We have seen this a lot from victims of accidents to homeowners and more, yet it is as common a practice as ever for insurance companies and probably always will be as they try to protect their bottom line. Below are some of the most common types of claims that we find insurance companies stalling on.
  • Homeowners insurance claims
  • Commercial property owners insurance claims
  • Auto, truck and motorcycle accident claims
  • Hail and storm damage claims
  • Personal injury claims

Doing Their Due Diligence Before Paying Out

If you have a valid insurance claim, you might be confused as to why the insurance company is investigating your claim so much. This is very common when an insurance company suspects fraudulent activity or has reason to believe your claim is being made according to an event that may not have actually happened. There are so many fraudulent claims that it is very normal for insurance companies to investigate even the smallest claims so that they can make sure they are only paying out settlements on valid cases.

In many cases, there may be delays due to the insurance adjuster’s schedules and availability, especially during times where there were a significant amount of other parties who were affected by the same incident. Other times your insurance company may just be waiting to get information from a police report or are still trying to track down the individuals who were at fault in your case.

There are many different reasons that your insurance company may be stalling, and some of them may amount to bad faith. Generally,  a quick conversation with an experienced attorney can shed some light in tbe situation. At Rector Stuzynski LLC, we are happy to set aside time to talk to you about your potential bad faith insurance claim and give you the expert advice that we are known for. Initial consultations are always free, and our firm will not charge for bad faith insurance claims unless we recover money for you.

Contact Our Colorado Springs Bad Faith Insurance Claim Attorneys Today

At Rector Stuzynski LLC, we have been fighting insurance companies for decades. We know exactly how to handle them so that they have to pay out the full amount and on time. We successfully recover millions of dollars every year for our clients and we would be happy to help you get what the insurance company owes you. So if you think your insurance company is acting in bad faith, give us a call today for a free consultation at (719) 578-1106 anytime or feel free to stop by our Downtown Colorado Springs office to speak directly with one of our attorneys.

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We serve clients injured anywhere throughout the state of Colorado, but we focus on residents of these areas: Colorado Springs, Manitou Springs, Fountain, Briargate, Monument, Black Forest, Pueblo, Canon City, Larkspur, Security-Widefield, Peyton, Castle Rock, Teller County, El Paso County, Elbert County, Park County, Douglas County and beyond.