When you file a claim, you expect the insurance company to respond clearly and fairly. However, sometimes, there is no outright denial, just silence, vague updates or repeated requests for the same documents that you have already sent. This waiting game can drag on for weeks or even months.
What is happening behind the scenes can be a lot of things. In some cases, these delays are not just poor service. They can be signs of bad faith. If your insurance company is dragging its feet without a valid reason, it might be doing more than just taking its time.
Not a “no,” but not a “yes” either
When your claim is not denied outright, it is easy to assume everything is just moving slowly. But delays can be a tactic. Instead of rejecting your claim and risking legal trouble, an insurer might delay processing it, hoping you will give up or settle for less.
Below are some suggestions on how to spot red flags that your claim is being unfairly delayed:
- No timeline updates: If you keep asking for status and get vague answers or none at all, that is a problem.
- Repeated document requests: You already sent the paperwork, but they keep asking for it or for something new each time.
- Sudden silence: You were getting regular updates, but then, all of a sudden, there was nothing. Weeks go by with no contact or progress.
- Claim “under review” forever: This line can be used to buy time without giving real answers.
You should not feel like you are chasing down your claim. Insurance companies have a duty to act promptly and fairly. Long delays with no clear reason may be their way of avoiding a full payout.
These situations are frustrating and often overwhelming. Seeking legal feedback can help restore clarity and peace of mind.
