Delayed Claims
Delay is the quietest way to underpay a claim. These cover the tactics, how to tell ordinary slowness from something else, and how a delay is proven.
When the Insurance Company Is Not Responding
When an insurance company is not responding, the question people ask is how long it is allowed to take — and the honest answer is that there is no single number. Every claim takes some time, and no insurer is obliged to pay on demand. The question is not whether your claim is slow but whether the insurer is actually doing anything, and whether what it is doing needed to take this long.
Read more →When the Insurer Keeps Asking for Documents You Already Sent
An insurer that keeps asking for documents you have already sent is the most commonly reported delay pattern there is, and it is worth knowing what it looks like from the outside. Most delay is not dramatic. It looks like ordinary inefficiency, which is precisely why it works — and why the pattern only becomes visible when the individual instances are laid next to each other.
Read more →When the Delay Itself Causes the Harm
Some claims can absorb a slow decision. Others cannot: a person who needs treatment now, a family living somewhere temporarily, a business that is not trading. In those claims the delay is not a nuisance — it is the injury.
Read more →How Delay Is Actually Proven
Nobody wins this argument by describing how frustrating it was. Delay is proven the same way it happened — one date at a time — and the raw material is mostly things you can create yourself starting today.
Read more →When Delay Crosses the Line
Insurers are entitled to investigate, and adjusters are frequently overloaded. Neither of those makes indefinite delay acceptable, and the distinction between the two is where these cases are actually decided.
Read more →Looking for the law in your state?
These describe how each denial works, which is much the same everywhere. What you can do about one is not — choose the state where your policy was issued.