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What is an unreasonable delay for paying an insurance claim?

If an insurer does not want to pay out for a claim, one of the tactics the company may use is creating an unreasonable delay. When experiencing an unreasonable delay, a person may actually give up on the claim since they're dealing with so many other problems in their personal life.

The trouble is that the insurance company is hoping that the individual will give up on the claim because of the delays. If they do, then the insurance company doesn't have to pay out. This is against the law, though, which is something all people with insurance should know.

How long does an insurance company have to accept or deny a claim?

An insurance company has between 15 and 60 days to accept or deny a claim, depending on state laws and their own contract with their clients. The timelines in place give the insurance company enough time to investigate the claim, come up with a settlement offer and get in touch with the claimant.

How will you know if the insurance company is unreasonably delaying your claim?

The main sign is that they aren't returning calls or starting the process. You can call the company regularly for updates. If there are no updates in the week or two following the submission of your claim, it's a good idea to start looking into what's going on. Check your insurance contract. If there is a deadline there, you'll have to abide by it, but you shouldn't have to wait more than 60 days in any case.

Insurance companies have to be fair to clients. If they aren't, then you can take legal action.

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