When Insurance Adjusters Stall
When dealing with a personal injury case, you may find that the insurance company seems slow on the ball and extremely unresponsive. In some cases, this is deliberate, as insurance companies may deliberately stonewall your case to drag it out and try your patience. A First Coast personal injury attorney can anticipate these tactics and respond accordingly. Here are some common ways insurers may try to stonewall your case:
The insurer may tell you that your claim must be sent to a claims committee or back to the main office for review, when in fact there is no such claims committee and it doesn’t need to be sent anywhere. Some companies put this structural barrier in place in order to delay payment of claims and to see how much you are willing to put up with when pursuing payment of your claim. Even though the statement is false, it buys the claims adjuster time. Similarly, you may find that the claims process seems unnecessarily protracted at the initial stage because you face repeated requests to submit signed claims forms that you have already sent in.
The claims adjuster working your case may reject your claim on the basis that the policyholder (their client) is not fully cooperating with the investigation, even though the insurance company already has enough relevant facts in the case to pay out the claim. While the policyholder should cooperate with his or her insurer in the investigation and settlement of the claim, sometimes insurers will improperly assert the “cooperation clause” to try to intimidate you.
The insurance company may also length the process by requesting information from you piece by piece rather than making a large request for all usual information and documentation relevant to your case. The claims representative might ask for some information at one time and then some more information a month later, dragging out the process over several months.
Another common stonewalling technique is to bounce the claimant from one representative to another, leaving you confused and frustrated that the insurance company seems to be playing musical chairs with your case. This is sometimes an intentional structural organizational technique used to delay making claim payments.
If you have further questions about your personal injury case, contact experienced First Coast personal injury attorney John Fagan today for a free initial consultation.