What should you do if your insurance company is stalling on your claim? Be persistent, follow up with your insurance carrier, and document all communications with them.
Also, hire a Las Vegas car accident lawyer or a personal injury attorney who has experience relevant to your claim to serve as your legal advocate and representative.
What to Do if Your Insurance Company is Stalling on Your Claim in Nevada
Contact your insurance adjuster regularly. When you do, note the date and time you contact them and their response. This will help you build a body of evidence to use against your insurance carrier.
Partner with a Las Vegas personal injury lawyer if your insurance company continues to stall on your claim. Choose an attorney who has helped past clients achieve outstanding case results. Your lawyer can communicate with your insurer on your behalf.
H&P Law has more than 60 years of combined legal experience on our team. We can help you calculate your personal injury settlement value and put you in a great position to secure fair compensation. Schedule a free case consultation with us.
Steps to Take if Your Insurer is Stalling on Your Claim
Focus on accomplishing your desired result. A Las Vegas personal injury attorney can help you at each stage of the claims process. They can share tips on what to do if your insurer keeps stalling on your claim, including:
Evaluate Your Insurance Policy
Make sure your insurance policy covers your losses. In addition, determine exactly what you need to do to submit your claim and do so in accordance with your insurer’s deadlines. Otherwise, if you make any mistakes during the claims process, your claim can be denied.
Track Your Communications
Create a track record of your communications with your insurer. Document any time you call or email your insurance provider. This gives you evidence that helps validate your case that your insurer is choosing to stall on your claim.
Follow Up with Your Insurance Company
Establish a schedule for following up with your insurer about your claim. When you call or email, mention the last time you reached out. This can help you show your insurance company that your claim has been open for a long time, prompting them to act on it.
Contact a Supervisor
Ask your insurance adjuster for their supervisor’s contact information. If warranted, escalate your claim to their supervisor. Ideally, the adjuster’s supervisor will take your concerns seriously and resolve your claim.
Submit a Demand Letter
Put together a demand letter that details your claim activities and the compensation you are requesting from your insurer. Your lawyer can help you craft this letter. They can make sure it is submitted to your insurer, confirm that the business received it, and follow up on it as needed.
File a Complaint
Share your claim concerns with the Nevada Division of Insurance. You can file a complaint online, and the division will give it the attention it deserves. Ultimately, your complaint could lead your insurer to prioritize your claim and keep the company from stalling on other policyholders’ claims moving forward.
Stay on Track
Resist the urge to give up on your claim altogether. There can be times when the claims process feels exhausting to the point where you want to stop trying. Have an attorney help you during this process, and they can boost your chances of getting the compensation you deserve from it.
Your lawyer can provide insights into why Nevada insurance claims are denied and other topics relating to your case. They maintain open and honest communications with you throughout the claims process. If you have claim concerns or questions, your lawyer can address them.
Can You Sue an Insurance Company that is Stalling on Your Claim?
You have the right to file a “bad faith” lawsuit against your insurance company that is stalling on your claim. The Nevada Revised Statutes (NRS) defines the time frame in which it is permissible to request compensation through a lawsuit. Per NRS 11.190, Nevada’s statute of limitations is two years.
Proving that your insurance company was operating in bad faith can be difficult. Your lawyer understands the importance of evidence to your case. They work diligently to collect proof that can compel a judge or jury to rule in your favor.
In your lawsuit, you can ask for economic and non-economic damages. A judge or jury may award economic compensation for your medical bills and other quantifiable losses. You could receive non-economic compensation for your pain and suffering and other subjective harm that you have incurred.
Should You Sue Your Insurer if the Company is Stalling on Your Claim?
You should do everything within your power to get your claim approved before you consider a lawsuit. A personal injury attorney in Las Vegas can help you weigh the pros and cons of submitting a lawsuit. They can assist you with your claim, and if your compensation request is unsuccessful, provide legal support and guidance if you proceed with a lawsuit.
Just because you sue your insurance carrier does not guarantee you will receive compensation for your losses. In the same way you gather proof to support your argument, your insurer will do the same. If a judge or jury agrees with your insurance provider’s perspective, you may struggle to receive compensation.
Your lawyer understands how frustrating and irritating it can be to have your insurance company do things to stall on your claim. They will commit time, energy, and resources to your case and help you make informed decisions along the way. If you believe a lawsuit is the best course of action, your attorney can help you argue your case against your insurer.
