4 Reasons Why Your Insurance Claim is Being Delayed
After a car accident, contact your insurance company and report the incident. If you are filing a third-party insurance claim against someone else’s insurance provider, you will initiate the claims process after contacting them. Your claim will be active, and you will have an adjuster assigned to your case to investigate it and figure out what your damages are worth so they can offer you a settlement amount.
While the initial call to file a claim may only take around 15 minutes, the investigation and subsequent steps can take longer, which can extend the time it takes to obtain a settlement. This can be incredibly frustrating, especially if you are hurt and need costly medical treatment while being out of work due to your injuries. Knowing what issues can arise that may prolong or delay the claims process can be helpful when building the strongest claim for maximum compensation.
If you have questions about filing an insurance claim or would like assistance, please call the wrongful death and auto accident lawyer at Monaco Law PC.
Issues that Hold Up the Claims Process
It is no secret that insurance companies are not on the side of claimants, and their adjusters are trained to find ways to deny claims or delay them. They want to get claimants to settle for as little as possible or nothing at all. However, in some situations, there are issues that will prolong the claims process.
- Missing Documentation. Gathering evidence is imperative to building a strong claim. You should include everything you have, such as doctor’s notes and bills, photos, videos, police reports, witness statements, and all information that pertains to the accident. If you don’t have all of your documentation, this can cause delays.
- Problems with your policy or your insurance coverage. You should review your insurance coverage or even call your provider to fully understand what you are working with.
- Liability disputes. Liability is important when determining if a claimant should be paid or not or how much a claimant is owed. An insurance adjuster will do their best to shift the blame or responsibility for the accident to the claimant in order to reduce compensation.
- Too much time has passed since the accident occurred. There is only a limited time to file a claim, which is why it is critical to act quickly after a crash. Not only does it help you preserve and gather the most robust evidence, but it also ensures you have a legal right to file a claim. The statute of limitations varies by state, providing a short window of time for claimants to pursue compensation. Failure to take legal action within the statute of limitations means that a claimant will likely forfeit their right to compensation.
Speak to a New Jersey and Pennsylvania Personal Injury Attorney Today
Call our wrongful death and personal injury lawyer at Monaco Law PC at (609) 277-3166 for our New Jersey office and (215) 546-3166 for our Pennsylvania office to discuss your case today.
We are a New Jersey and Pennsylvania personal injury law firm serving Atlantic County, Bucks County, Burlington County, Cape May County, Camden County, Chester County, Cumberland County, Delaware County, Gloucester County, Mercer County, Middlesex County, Monroe County, Montgomery County, Philadelphia, Ocean County, Salem County, Susquehanna County and all of New Jersey.
Source:
crashstats.nhtsa.dot.gov/#!/
