When you get your vehicle insured or you take any kind of personal insurance, companies provide too many offers and discounts to lure customers. Obviously, we go with the best deals and promotional offers. Later, these insurance companies give you a hard time getting your claim. Some insurance companies also train their adjusters to use various techniques to stall your settlement intentionally so that you’re forced to accept any settlement offered.
Why Insurance Companies Stall?
Insurance adjusters use stalling so that the claim is reduced as much as possible. Not everyone has the stamina to run around courts and insurance companies for claims. Adjusters know very well that such delays will affect you more than the insurance company. This is because you are financially relying on the settlement amount.
So, what to do if insurance company is stalling? A personal injury law can help a claimant to fight against an insurance company that is stalling any car accident claim. They ensure that the insurer reviews your claim fairly and immediately after the claim is made without lying or confusing the victim. Instead of negotiating with the insurer, just reach out to a reliable attorney for help.
Signs of Stalling
There are various ways to know that the insurance company is stalling an accident claim:
- Rather than asking for all information or documents at one time, the adjuster will ask for everything in installments.
- The adjuster will reject your claim because they don’t get complete cooperation from the insured for the investigation.
- Insurance companies will change your adjuster everytime so that you get frustrated and end up with less settlement amount.
- The adjuster will try to convince you to pay the medical bills with your medical insurance money.
How to Avoid Stalling
When you find or doubt that insurance company is stalling you can immediately take some necessary steps -
- Keep tailing your adjuster by contacting them over the phone, email, and personally. Ask about the progress and specifics like time, date, etc.
- Write a formal demand letter stating the appropriate settlement amount depending upon the evaluation of the case. You can also mention that you may file a case in court if the desired settlement amount is not given.
- If your adjuster is ignoring or delaying the case, then contact their supervisor and others in the insurance company as much as possible. If you contact many people in the insurance company the probability of winning the claim is more.
- Collect all documents and organize them to keep them at one common location. Generally, adjusters will lose some of the documents intentionally and delay the case, but keeping another copy of all documents will help you at any time.
- Keep the record of all phone conversations with the adjusters and insurance agents along with their names. Print the email conversations and keep the audio recording prepared.
The stalling reduces the settlement amount and the victim feels devastated, discouraged, and harassed. This is the reason why a victim needs an experienced lawyer to prevent the insurance company and adjuster from stalling the claim.