What To Do If Insurance Company Is Stalling?

One of the last things you want to be worrying about after an accident is dealing with an insurance company that is delaying payment. Insurance companies are expected to cooperate with you to fairly and quickly resolve your claim, not to work against you.

Unfortunately, a lot of insurance companies will work to delay your case’s outcome in order to avoid paying you the right amount. What should you do if an insurance provider is being uncooperative?

Understanding the procedure might be very helpful. You will be equipped with the knowledge to recognise whether your insurer is postponing your payment too frequently. Contacting a personal injury lawyer like Turbak Law Office P.C. and asking for a free consultation is the quickest approach to get things moving.

Important information concerning the insurance coverage process includes potential explanations for why your insurance provider is delaying, as well as what you can do if this is the case. Discover the procedures you can take to prevent stalling as well as the obligations they have to make a payment. The most crucial thing is understanding when to see an attorney.

Is the Insurance Company Stalling?

Since insurance company delays are planned 90%+ of the time, I don’t want to give them any benefit of the doubt.

However, this indicates that occasionally the insurance firm is not acting in bad faith.

In this post, I’ll go into it in more detail for you in order to assist you determine whether an insurance company is stalling your discussions and, if so, what you should do.

Reasons An Insurance Company Might be Stalling

Let’s first list the several explanations for why an insurance provider might be delaying. From there, we can focus on the factors that suggest the insurance firm is delaying action to gain a competitive advantage.

Some of the causes are as follows:

Taking Too Long to Do Your Research

To decide whether to accept or reject a file or claim, the insurance adjuster must gather evidence. Perhaps the insurance provider is carrying out such due diligence.

Poor Adjusters Stagnate

Let’s face it, there are those that perform poorly in any career. The same goes for adjusters and insurance firms. The adjuster might just be slothful.

Busy Adjusters Stall

The adjuster, though, can feel overworked. The business of insurance firms is to squeeze everybody, including their own employees. Perhaps your adjuster is overwhelmed by the volume of claims he or she must manage.

As Per Company Policy, Stalling

Some insurance providers encourage waiting in order to prolong claims and prevent playing claims. There is a very good likelihood that the insurance company is stalling your case in this way if you don’t have any other data.

Putting Off Burning Your SOL.

Your statute of limitations gives you a filing deadline. Your SOL is beginning to lapse since you delayed filing your claim. The adjuster can get lucky and procrastinate for so long that you miss your SOL and your claim is no longer viable. This is a shady move, and the insurance company will use any unfair tactics they can to take advantage of you.

Stalling to Discourage Claims

By making you wait and jump through hoops, you can become weary and give up on the claim. The insurance firm knows that a certain proportion of people will take that action, thus postponing is a feasible business strategy for them.

Stalling to Fade Evidence

Certain evidence, such tyre prints on the road, unphotographed bruises, and other proof, will vanish if the insurance company drags its feet for too long. The adjuster can be manipulating the situation such that your claim is less strong in terms of the evidence.

Symptoms of a Stalling Insurance Company

Let’s now go over some of the stalling tactics used by insurance firms that point to deception.

Stalling via Piecemeal Evidence Requests

Every time you interact with the insurance company, if the insurance adjuster asks for evidence and documents one slice at a time, this raises suspicions of fraud.

Stalling by Asking for Irrelevant Things

Another warning sign is if it is clear from the demands that the insurance company is looking for information that will not truly help them assess your claim.

These foolish errands are designed to keep you busy and exhaust you; they are wild goose chases.

Stalling by Frequently Changing Adjusters

Be extremely suspicious if the insurance company is stalling by continually changing adjusters on you. What happened to the previous adjuster, ask the adjuster. If there isn’t a compelling argument, something is probably wrong.

With Unreasonably Low Offers, Stalling

Insurance firms frequently delay customers in this manner. They submit low offers that prolong the claim process and necessitate additional back-and-forth. This might be a sign of dishonesty.

Stalling due to Contact Absence

The insurance company may be stalling for time if it doesn’t answer to your communications for days or weeks and doesn’t communicate with you in a timely manner.

Although this could simply be a busy adjuster, a pattern of such behaviour over a lengthy period of time is frequently indicative of a more serious issue than understaffing.

What to Do if Insurance Company is Stalling

Here is my best list of things I would do if an insurance company was denying my claim and I wasn’t a lawyer. I hope this helps you in some way.

To be clear, this is not legal advice, and you should consult a lawyer for assistance on how to approach your particular claim.

Ask for a complete list of the documents required to avoid further delay.

If an insurance provider is being uncooperative, one thing you may do is send a letter asking for a detailed list of everything it needs from you in order to review your claim.


When you are unfamiliar with the law, it is easy to become confused about what is right and what is wrong or what is and is not within your rights. One of the things that many insurance firms take advantage of is this ignorance.

You must realise that every insurance provider has their own interests at heart. Good or terrible, they are not anxiously waiting to give money to each and every accident victim. Professional businesses with years of experience might also make every effort to prevent paying a penny more than necessary. This is another reason why it’s so important to know what to do if an insurance provider delays.

Some insurance companies would undoubtedly never pay out a single claim if they were allowed to operate outside the law. However, rules exist to regulate these businesses.


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