When to Expect Extended Claim Timelines
Ideally, the insurance claim process will be short and concise, but some find securing an accident injury settlement to be a lengthy and complex process. It’s important to recognize situations that could extend timelines far beyond initial expectations, because then you can plan to protect yourself financially during this time period.
To learn more about when claim timelines can be extended after a Clearwater, Hudson, or Tampa accident and steps you can take to safeguard your finances, connect with a legal professional.
Situations Leading to Delays
When you understand the reasons behind delays you can take proactive steps to mitigate their impact. Often delays are the result of one or more of the following.
- Complex medical evaluations. When injuries require extensive medical evaluation or ongoing treatment, it can delay the settlement process. Insurance companies often wait until you reach maximum medical improvement (MMI) to assess the full extent of your damages.
- Liability disputes. In situations where there are disputes about who is at fault for the accident, it can significantly extend the timeline. Insurance companies will investigate to determine liability, which involves gathering evidence, interviewing witnesses, and possibly litigating the issue.
- High recovery amounts. Claims involving substantial compensation, such as for severe injuries or significant property damage, undergo more rigorous scrutiny. Insurance companies may take longer to review these claims to avoid large payouts.
- Case involves multiple parties. If there were multiple parties involved in the accident, the claim process can be prolonged as each party’s liability and damages need to be assessed and negotiated.
- Delay tactics. Unfortunately, some insurance companies intentionally delay the claim process to pressure claimants into accepting lower settlements. They may request unnecessary documentation or repeatedly ask for information already provided.
While waiting for your settlement, there are things you can do to manage your finances so you don’t have to accept a lowball offer. For example, you can explain your situation to your healthcare providers. Many are willing to work out payment plans or defer payments if they know you’re awaiting an insurance settlement.
Also, if your injury affects your ability to work, talk to your employer about possible leave options that will allow you to stay employed until your life stabilizes. Discuss the possibility of taking family medical leave, which is an unpaid, job-protected leave for certain medical and family reasons. Discussing your situation openly can also help in arranging any available disability benefits.
An Attorney Can Help with Efficient Claim Handling
Support is available, you don’t have to navigate a complicated insurance claim on your own. A Florida personal injury lawyer will ensure that all necessary documentation is accurately and promptly submitted. They can also provide valuable advice while waiting for your claim to settle and negotiate with creditors on your behalf to secure temporary relief from financial obligations.
Has your settlement been delayed? By seeking professional assistance, you can protect you and your family’s financial well-being during this challenging time. Lean on the expertise of the lawyers at Roman & Roman, our legal team has over 100 years of combined experience. Schedule a confidential consultation today.
Although the law firm of Roman & Roman has offices in Clearwater, Hudson and Tampa, we handle cases and claims throughout Florida. We also meet personally with our clients if at all possible, rather than impersonally over the phone or on the Internet.
