Can I Sue My Insurance Company For Taking Too Long?

A claim must be paid or denied within a reasonable amount of time by an insurance company. The insurance company should provide a justification for denying the claim if it is denied. There is no universally accepted definition of what constitutes an acceptable amount of time. It will be determined by the facts of a specific vehicle accident case, the valid areas of contention, and the timeliness with which the victim supplies the insurance adjuster with the documentation requested. If the irresponsible driver’s insurance company fails to settle your claim or make a decision on it within a reasonable length of time, you have the right to sue the negligent motorist within the statute of limitations.

If you submitted a claim under your own insurance policy’s collision, MedPay, or uninsured or underinsured motorist coverages, you may have a claim against your insurance carrier for failing to resolve your claim within a reasonable time. When processing your claim, your insurance provider owes you the duty to act in good faith. Georgia, on the other hand, does not allow you to sue for bad faith. Instead, you may be able to use the following legal options:

  • An insurance company that fails to pay a first-party claim in bad faith may be liable for the whole amount of the loss, plus extra damages of up to 50% of the loss, up to $5,000, and reasonable legal fees. “Frivolous and baseless refusal to pay a claim” is described as bad faith.
  • Uninsured motorist claims are typically paid 60 days after they are submitted by an insurance provider. If the insurance company refuses to pay in good faith, it may be liable for up to 25% of the claim amount plus reasonable attorney fees.
  • To be eligible for compensation under these regulations, the accident victim must meet specified conditions for filing a first-party and uninsured motorist claim, as well as notify his insurance company.

Even if your claim is merely for repairs or to total your vehicle, you should consult with an attorney unless you are only filing a claim for minor property damage to your vehicle. We help our clients with both the property damage and personal injury aspects of their cases at Brauns Law Accident Injury Lawyers, PC. Call our office immediately to set an appointment to discuss your circumstances and legal options if you were involved in an automobile accident.

Why is insurance company taking so long?

The case load of the adjuster is the most prevalent reason for an insurer’s delay. At any given time, an adjuster may be dealing with dozens of claims. Many of the judgments made by insurers require the permission of one or more supervisors, who will also be reviewing a large number of claims.

Road traffic accidents, work accidents and injuries in a public place

Your claim will be processed through the Pre-Action Protocol if it is worth less than £25,000 and relates to a road traffic accident, employer’s liability, or public liability. This implies that your claim will be processed through the Ministry of Justice’s online Claims Portal first.

The defendant’s insurer has a 35-day ‘total evaluation period’ under the Pre-Action Protocol to review the material and make an offer. These deadlines are subject to a variety of circumstances and may be extended.

If you accept the initial settlement offer, claims paid through the Claims Portal should take about 4 to 9 months.

Medical negligence claims

It’s more difficult to give a claim length estimate without first assessing the claim. As a general estimate, a claim could take 6 to 12 months if the treatment or care provider accepts liability right away.

For more difficult lawsuits, it could take 12 to 18 months if culpability is disputed. Cases that are really complicated can take a long time.

Industrial disease

If responsibility is acknowledged, industrial sickness claims can be paid quite rapidly.

Some cases, however, may take much longer, especially if determining the employer liable for the claimant’s condition is challenging.

The claim duration should be within the typical range if a definitive medical prognosis has been provided. If the prognosis or degree of the sickness is unknown, however, the claim may be delayed.

Child injury claims

The agreed settlement or award must be approved by the Court in instances involving children or vulnerable people.

In actuality, this procedure is essentially a formality that rarely causes significant delays in compensation delivery.

Can you sue an insurance company for ignoring you?

If an insurance company is ignoring you, you have options. You might be able to get benefits from your insurance company instead. Claim subrogation could speed up the process. Then your insurance can file a reimbursement claim with the other carrier. By filing a bad faith claim in Hillsborough County, you may be able to hold the insurance company accountable. A bad faith claim could result in compensation for your original losses as well as interest for the insurance company’s violation.

Use a Tampa insurance claim lawyer to help you deal with an insurer who is ignoring you. To get a response from the insurance company, an attorney can contact them on your behalf. Those from lawyers are generally taken more seriously by insurance claims adjusters than calls from claimants. Your lawyer can work with the insurance company to get you the most money possible. In rare situations, a lawyer may be allowed to pursue damages through a bad faith lawsuit. From the beginning of your claim, an insurance attorney can assist you in protecting your rights.

How long can an insurance claim stay open?

If you are involved in an automobile accident, you must notify your insurance company as quickly as possible. Within 24 hours following the accident, at the very least. You should verify your insurance coverage before filing a claim, although most companies require that you file a claim within two weeks.

If you don’t, your insurance may void your coverage, leaving you with a large fee, not to mention raising your renewal price even more.

On a more positive note, keep in mind that the sooner you notify your insurer about a claim, the greater your chances of getting it resolved faster.

How long will it take to get your claim settled?

In 2016/17, the Association of British Insurers (ABI) reported that 98.4 percent of auto insurance claims were accepted.

As you can see, the good news is that there’s a good possibility you’ll get compensated if you file a claim. When will you get this? That is the million-dollar question.

As you might expect, this isn’t a simple question to answer because it is dependent on a lot of factors:

Simple claims involving merely vehicle damage can often be resolved in a matter of weeks.

Claims involving contested liability, a write-off, an uninsured driver, or whether anyone was hurt might take years to resolve.

In our claim experience comparison table, see how your insurer’s claim service stacks up against the competition.

Rowan Atkinson, an actor and petrolhead, had the most costly insurance claim on record. He crashed his Maclaren F1 into a hedge in 2011. His insurer was reportedly responsible for a £910,000 repair charge. That’s a significant increase above the £540,000 he paid for it in 2007.

Rowan was fortunate in that when he sold it in 2015, he received over £8 million. You read that correctly: £8 million. Not a bad return!

How to get your claim settled as quickly as possible

If you follow these 7 steps to success, you can rest assured that you’ve done everything possible to ensure a smooth and timely claim settlement.

  • Is there an app for your insurance company? If they do, file your claim there because it will be much faster than calling them. You can also upload all of the information they require, including photographic documentation of any car and/or property damage.
  • Collect as much information as possible. Take down everyone else’s name, address, and phone number, as well as witness information and testimonies, any other vehicles involved, and, of course, photographs.
  • Be truthful. If your insurer is unaware of changes to your car, such as your home address no longer matching the one on your driver’s license, you risk having your policy canceled.
  • Make an effort to work with your claim adjuster. Turn on the charm offensive if you want to keep these people on your side. Always respond to their requests and follow up with them if they miss deadlines.

How long does a claim stay on your insurance record?

A automobile collision will often stay on your insurance record for three years. But, as always, there are a few of ‘buts’ to ponder.

The accident’s severity (think how much Rowan Atkinson’s premium went up!)

You might be relieved to find that not all claims are recorded on your record, and that they do not result in a higher premium at renewal. Bumper damage is a common example of a claim that may not have an impact on the cost of your insurance, despite the fact that it may cost more than £1,000.

If you are injured in an accident, you have up to three years from the date of the incident to bring a claim for your damages. Section 11 of the Limitation Act of 1980 allows for this.

The main reason for the delay in filing your claim is that some symptoms take time to manifest, though it’s always easier to establish a link between the accident and your injury if you notify your insurer as soon as possible.

If you’re thinking about filing a personal injury claim, make sure you see a doctor for proof that your injury is real.

How long does it take to get compensation after an accident?

The difficult aspect of a personal injury settlement is coming to an agreement. After that has been agreed upon, you should get your payment within 14 to 28 days.

READ NEXT: What happens if you have a car accident in Europe and need to file a claim?

How long does it take progressive to settle a claim?

Many property damage claims are resolved within 7 to 14 days, although repair periods vary widely depending on your car, the damage, and other factors. Whatever the case may be, we’ll work swiftly and efficiently to get you back to your regular routine.

Why do insurance companies delay settlements?

When an insurance company delays a claim, it benefits the corporation in a variety of ways. Delay tactics are used to pressure policyholders into accepting lower settlement amounts than they are entitled to. Following any covered incident, the economic ramifications will continue to build, putting more financial hardship on the victim. Unfortunately, this creates a sense of desperation among policyholders, who feel compelled to take whatever help they can get as soon as possible in order to prevent escalating financial difficulties.

Insurance firms also make money by investing the money that policyholders pay in premiums. The money that an insurance company receives in premiums is usually put into interest-bearing investment accounts. Because the insurance company keeps this money until it pays out to a policyholder, it may decide to defer a payout in order to maximize interest earnings.

Some insurance companies may simply delay claims as a form of retaliation for a policyholder exercising his or her coverage rights. Delays can come in a variety of shapes and sizes.

  • In an attempt to prolong proceedings or persuade the claimant to dismiss the claim or accept a lowball settlement offer, misrepresenting features of a claim or a policy.

In the end, the longer an insurance company waits to pay out on a claim, the more money it makes in premium payments, interest growth, and the possibility of accepting lowball bids from desperate claimants. All insurance policyholders should be aware of their rights and the responsibilities of insurance firms, as well as how to spot bad faith actions.

Why do lawyers take so long to settle a case?

Things might drastically slow down once a case is filed in court. The following are some common reasons why a case may take longer than expected:

  • It’s difficult to serve the defendant or responder. The case cannot move forward until the defendant has been served with court documents in person. This usually entails a process server delivering the papers to the defendant by hand. This can take several months if the defendant is not at home or at work (or is simply very good at dodging service).
  • It takes time to discover anything new. The process by which each side receives evidence from the other is known as discovery. The following are examples of common types of discovery:
  • Interrogatories. The opposing party will ask a series of written questions. Within a certain amount of time, the questions must be answered in writing under oath (usually 30 days).
  • Requests for documents or other items to be produced. This is precisely what it appears to be. It’s a formal demand that the other side produce paperwork, electronic data, or other tangible goods.
  • Admissions requests are made. These are written declarations that one party requests that the other party confirm or deny under oath. In an automobile accident, for example, the plaintiff may request that the defendant admit to being involved in a motor vehicle collision on a specific date, time, and location.
  • Depositions. A recorded, oral statement of a witness who is under oath is called a deposition. The proceedings may be transcribed by a court reporter, or they may be recorded on video, or both. The deposed witness could be a party to the action (a plaintiff or defendant) or a fact or expert witness.

If a party opposes to a discovery request, they can file motions with the judge and have hearings on them. That will take some time.

  • The courts are overburdened. Hearings before the court can take a long time to schedule due to a full docket. Contranuances are a common occurrence.

Finally, if you have any questions concerning your case, do not hesitate to contact your lawyer or paralegal via phone or email.

Do insurance companies try to get out of paying?

Accident victims desire nothing more than to move on from their traumatic experience after becoming injured. Unfortunately, accident victims are subjected to burdensome paperwork, long phone calls, and repeated interrogations as a result of insurance firms’ practices. This might go on for weeks, months, or even years.

Insurance Scheme 1: Deny

A court can impose compensation from an insurance company if an insured individual can prove that the firm denied a claim for no good reason under Minnesota’s bad faith legislation. Unfortunately, this isn’t enough to deter them from doing it. Insurance companies have their own lawyers who are up to date on the latest legislation and loopholes. They might try to use technicalities to dismiss your claim and protect their profits.

Denying Damages

Insurance companies may find it difficult to refute the damage caused by a fire or a multiple-car pile-up. However, many accidents that result in injuries are subtle. Adrenaline is high after an accident, and it can conceal pain. Insurance companies may try to exploit your apparent unharmed status as evidence against you. That is one of the reasons why it is critical to get medical attention after an injury.

Downplaying Injuries

When insurance companies fail to deny damages, they will try to downplay the severity of your injuries in order to reduce the amount they have to pay you. This is more likely to occur with injuries that patients believe will heal, such as shattered bones and whiplash. The reality is that these kind of injuries can result in long-term discomfort, and you should be reimbursed accordingly.

Insurance Scheme 2: Delay

If you’ve ever called a huge organization for any reason, you’re probably familiar with being put on hold for long periods of time and being passed from department to department in quest of answers. The insurance industry is no exception. They may make it difficult for you to receive updates on the status of your claim by making you jump through hoops.

Their stalling tactics are intended to weary you so that you would abandon your collection efforts. Even though they know they’ll have to pay out someday, it’s in their best interests to keep free float, which is money set aside by insurance firms to fulfill claims. Insurance firms have the option of investing your money rather than paying you on time. They make more money the longer they stall. Meanwhile, you’re on your own.

Confusing the Victim

Accidents happen in a flash. It’s quite tough to pay attention to every detail while you’re hurt. Similarly, it’s natural to be dazed in the aftermath. Insurance firms are aware that you are not in the best of moods, and their representatives can profit from this. If the other party’s insurance company tries to contact you personally, be suspicious. They may try to get you to divulge information that makes the accident appear to be your fault.

Insurance companies also employ written paperwork to perplex you. It’s easy to compare reading insurance documentation to reading the terms and conditions after downloading a new app. We’re all guilty of skimming. Insurance companies are well aware of this. As a result, they’re hoping we’ll miss crucial details. While they should communicate with customers in simple terms, their policies are frequently complicated. As a result, if they’re not delivering all of the coverage they’re intended to, you might not realize.

Waiting for Death

In rare cases, an insurance company would purposefully postpone the resolution of a claim until the wounded victim has died. When they stand to lose a large sum of money, as well as when the accident victim is extremely ill or elderly, this is more prevalent. No one will pursue a claim after a death if the insurance company gets their way. Survivors, on the other hand, can still seek recompense for a loved one’s estate.

Insurance Scheme 3: Defend

Insurance companies may try to transfer some of the blame to you in order to reduce their payout by claiming that your conduct contributed to your injury. Let’s say you’re hit by a car who ran a red light. The insurance company will search for evidence that you broke a driving law, such as exceeding the speed limit. A firm may also claim that your injuries are the product of earlier trauma rather than the situation at hand.

Using the Upper Hand

With 78 percent of Americans living paycheck to paycheck, it’s evident that even in the best of times, getting by is challenging. Insurance firms are well aware that this is especially true for accident victims who are facing missed wages and medical expenditures. They’re known for making lowball offers to tempt people who are having trouble settling.

How long does a personal injury claim take to go to court?

If a personal injury case does not settle before it goes to court, it is normally taken to court within 12 months. It might be a frightening concept for folks to learn that their personal injury case is “going to court.” In reality, only about 5% of personal injury claims reach the courtroom. The majority of cases are settled outside of court. When you’re told that your case is heading to court, it usually means that it’s in the middle of it.