At Apicella & Schlesinger Attorneys at Law, we provide guidance on what to do when your insurance company drags its feet and how our legal team can help expedite the claims process.
Dealing with an insurance company after an accident or injury is often frustrating. After all, you’re relying on them to cover your medical bills, lost wages, and other damages. However, sometimes, insurance companies delay the settlement process, leaving you in a difficult financial and emotional situation. If you find yourself in this position, knowing your rights and understanding the steps you can take to get the settlement you deserve is essential.
Insurance companies have a legal obligation to handle claims promptly and fairly. However, delayed settlements are unfortunately common, leaving accident victims waiting for compensation they desperately need. Here’s what you can do if your insurance company is dragging its feet when settling your claim.
Document All Communication
- Keep detailed records of every interaction with the insurance company
- Save all emails, letters, and written correspondence
- Note the date, time, and summary of phone conversations
- Record the names and titles of representatives you speak with
Set Clear Deadlines
- New York law requires insurance companies to respond to claims within specific timeframes
- Send written requests for status updates with reasonable deadlines
- Follow up consistently when deadlines are missed
- Keep copies of all deadline-related correspondence
Provide Requested Information Promptly
- Respond quickly to requests for documentation
- Submit medical records, bills, and other evidence immediately
- Ask for written clarification if the insurer’s requests are unclear
- Maintain copies of everything you submit
Watch for Bad-faith tactics
- Repeatedly requesting documents already provided
- Making unreasonable demands for documentation
- Failing to respond to communications
- Making lowball settlement offers without justification
- Misrepresenting policy terms or coverage
Know Your Rights
Insurance companies must:
- Acknowledge claims within 15 days
- Begin investigation promptly
- Request all needed documentation at once when possible
- Provide written explanation for claim denials
- Negotiate settlements in good faith
Consult an Attorney
Consult with an experienced attorney who can:
- Evaluate if the delay is reasonable or indicates bad faith
- Communicate directly with the insurance company
- File necessary complaints with state regulators
- Pursue litigation if necessary
- Protect your rights throughout the process
Remember, insurance companies have a legal duty to handle claims promptly and fairly. If your insurer is causing unreasonable delays, you have options. Contact Apicella & Schlesinger Attorneys at Law for a free consultation to discuss your situation and learn how we can help move your claim forward.
Free Consultation with a Bronx Car Accident Lawyer
Contact Apicella & Schlesinger Attorneys at Law to request a free consultation.
Call (212) 568-4245