If you’ve been injured in a car accident, you might expect the insurance company to process your claim quickly and fairly. But for many personal injury victims, that’s far from reality.
Insurance claim delays are a frustrating part of the process—and often not accidental. In fact, many insurance companies rely on deliberate stalling tactics to wear you down. Their goal? To push you into accepting a lower settlement or giving up entirely.
This article exposes the top ways insurers stall settlement offers, and more importantly, what you can do about it. If you’re struggling financially while waiting for your settlement, pre-settlement funding could be the support you need.
Why Do Insurance Companies Delay Injury Claims?
Insurance companies are for-profit businesses. The longer they hold onto their money, the more they profit from it. By delaying claims, they also increase the chances of personal injury victims accepting lower settlements out of desperation.
When your injuries prevent you from working or covering bills, time becomes a weapon. Every day without compensation increases financial pressure, especially in serious personal injury cases.
Delayed insurance settlements aren’t just paperwork issues, they’re often calculated tactics.
Top Insurance Company Tactics to Watch Out For
Insurance companies use a wide range of strategies to drag out your case. Here are some of the most common:
1. Denying Liability Without Proper Investigation
Right from the start, insurers may claim their policyholder wasn’t at fault, even before completing a full investigation. This tactic can delay your claim for weeks or even months while fault is disputed.
2. Requesting Endless Documentation
Expect to be asked for the same paperwork multiple times. This isn’t just sloppy recordkeeping—it’s a classic insurance claim stalling tactic. They’re hoping you’ll get frustrated and stop pursuing the claim.
3. Disputing Medical Treatments or Bills
Some adjusters will challenge the severity of your injuries or question your medical care. They might argue that treatment was unnecessary or that you’re exaggerating your injuries. All to reduce what they pay.
4. Making Lowball Offers Early
Insurers might offer quick cash soon after the accident. While it may seem like a good deal, it’s often far below what your personal injury claim is truly worth. They’re betting you need the money and won’t fight for more.
5. Delaying Communication or Going Silent
Suddenly, your calls go unanswered. Emails are ignored. This isn’t an accident. Going silent is a well-known insurance adjuster trick to stall the process and frustrate you into settling.
6. Forcing Independent Medical Exams (IMEs)
Insurers may require you to see their own doctor for an IME. These appointments often delay your case further and the reports sometimes minimize your injuries to justify reducing your payout.
These are just a few ways insurance companies delay injury claims but knowing them gives you the power to push back.
How to Fight Insurance Claim Delays
You don’t have to be a victim of delay tactics. Here’s how to fight back:
- Hire a personal injury attorney experienced in dealing with stubborn insurers.
Document everything: Save all emails, voicemails, and letters from the insurance company. - Track your treatment and medical bills clearly.
- File complaints with your state’s insurance department if delays become unreasonable.
Being informed is your first defense. The second? Making sure you have the resources to hold out for what you’re truly owed.
How Pre-Settlement Funding Helps You Stay in the Fight
While you’re recovering from your injuries and waiting on a fair settlement, you still have bills to pay. That’s where pre-settlement funding comes in.
Pre-settlement funding is a cash advance based on your expected settlement. It gives you the breathing room to cover medical bills, rent, or other expenses without settling your claim too early.
Unlike traditional loans, pre-settlement funding is non-recourse. That means you only repay it if you win your case. If your lawsuit doesn’t succeed, you owe nothing.
At Fund Capital America, we understand the pressure personal injury victims face. Our process is fast, simple, and risk-free. When insurers stall, we help you stay strong.
What You Should Know
Insurance company tactics are designed to delay, discourage, and devalue your claim. But with the right support, you can fight back and win the compensation you deserve.
If you’re struggling financially while your claim is stuck in limbo, pre-settlement funding can be the solution. At Fund Capital America, we provide fast, secure legal funding to help you stay in control.
Don’t wait another day. Apply now for pre-settlement funding and protect your right to a fair settlement.
Who is Fund Capital America?
Since 2006, Fund Capital America (FCA) has been a trusted leader in pre-settlement funding, providing cash advance loans to plaintiffs in personal injury and accident cases. Over the years, FCA has proudly served thousands of law firms and tens of thousands of clients, helping them navigate the financial challenges of litigation. While our core service is pre-settlement funding, we also offer a comprehensive range of services to support law firms and their clients from the beginning of the case to the final settlement check distribution.
Fund Capital America’s Services
In addition to pre-settlement funding, FCA provides a broad array of services designed to alleviate the financial and administrative burdens on injury victims, law firms, and medical professionals. Our services include:
- Pre Settlement Funding
- Policy Limits
- Doctor & Medical Facility Directory
- Doctor & Medical Facility Scheduling
- Language Services
- Investigation Services
- Medical Legal Finance
- Surgery Funding
- Medical Lien Funding
- Law Firm Funding & Law Firm Banking Services
- Law Firm Line of Credit
- Medical Receivables Financing
- Law Firm Services
Get the Legal Funding Support You Need in Just 5 Minutes!
Here’s how it works:
Fill out our application form: It takes just 5 minutes to provide the necessary details about your case.
Get prequalified: Our team will review your application and get back to you swiftly, often within hours.
Need assistance? Call us at the number provided for immediate support from our knowledgeable staff.
Don’t let financial stress prevent you from focusing on your recovery. Apply now to secure your lawsuit cash advance!
