You might expect the insurance process to be straightforward after a car accident caused by someone else’s negligence. Unfortunately, insurance companies often dispute claims to protect their bottom line.
Recognizing the signs of a disputed claim can empower you to get the fair compensation you need.
Insurers often aim to minimize payouts
An insurance company might be disputing your claim if they:
- Delay responses to your messages
- Request duplicate documents or information
- Offer significantly lower compensation than expected
- Dispute fault or claim shared responsibility
- Downplay injury severity or question treatment necessity
- Push for a quick settlement before long-term effects are clear
Insurance companies must act in good faith when managing claims from injured victims. This involves prompt investigation, fair evaluation and reasonable settlement of valid claims.
Insurers typically have 10 days to acknowledge a claim and 30 days to decide after receiving all necessary information. They might be acting in bad faith if they fail to do so and give no reasonable explanation for the delay.
It may be time to act
It is important to remember that insurance companies have the right to investigate claims thoroughly. That said, recognizing these signs does not necessarily mean your claim is being unfairly disputed.
Still, if you encounter multiple red flags, it may be time to consider professional help. An experienced personal injury lawyer in Arizona understands the tactics insurance companies often use and knows how to counter them effectively. This way, you can access all the necessary resources and assistance to help you recover.
