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The 5 main reasons why car insurance claims are delayed (with solutions)

Fortunately, most car insurance claims in Ohio are handled well and resolved fairly quickly. But sometimes they are not. And when you are the one who is waiting and wondering, it can get quite frustrating. And if there are injuries and medical bills, your level of frustration can reach epic proportions. There are usually a handful of reasons why your claim may not be paid. We have listed 5 of the most common and included solutions so that your car insurance claims can continue going forward instead of being stopped in a neutral position.

Cause 1- The police report is not complete

So if you have an accident on public roads, the police will fill in an accident report that collects facts about the accident, the drivers (and passengers) involved, note who has error in the accident (this is HUGE) and even draw a sketch of the accident site, if possible.

The most important part of the accident report from the insurance company's point of view is who is at fault. The majority of liability claims are paid on the basis of the concept of negligence. "Negligence" is defined as the failure to exercise the degree of care required of a reasonable and prudent person in a given circumstance leading to harm or harm to another. As a general rule ̵

1; negligent = wrong (and thus legally responsible). Not careless = not wrong (and not legally responsible). What happens if the error cannot be fixed?

If the police report is not complete, it is impossible to know who is negligent and therefore who is the insurance will ultimately be responsible for paying.

Cause 2 – The other carrier has not yet accepted liability

Continuing with this idea of ​​negligence, the other insurance company must take responsibility for the accident before anything happens. As mentioned, the police report is often the deciding factor. So if it is not done, it stops the process. Another reason why they have not yet accepted responsibility may include that they cannot receive statements from all parties involved. Whatever the reason, it can be definitely related to not getting all the information required to determine who is wrong.

To trust me, insurance companies just do not roll over and start cutting checks because you say it's another person's fault. They need facts. Keep in mind that I'm talking about Ohio car insurance here. If you are in perfect condition, it works differently. You can read our article Is Ohio a state car insurance license for more information on licenses without errors.

Cause 3 – The other carrier does not know how to contact you

Seems crazy, but this is often an important reason why car insurance claims stop. In fact, it only happened here. Our customer's mailbox was damaged by a driver on a Thursday. One week later, the police report was still not ready, but I was able to get the other driver information orally. When I contacted the other insurance company, the application had been submitted, but they had no information about my client. So I gave them her name and phone number so they could get in touch with my client to start fixing her mailbox.

Cause 4 – The claim has not been submitted to the other company yet

Yep, unfortunately, there are many cases where someone causes an accident but never reports the accident to their insurance company. The reasons can be many, but the fact remains until it is reported that you simply do not exist for that insurance company.

We have had to play private detective many times and continue to do so for our clients. If we are asked for help, we will receive the police report to see who the other party is and which insurance company is listed. We always try with local insurance companies first, if we are insured by a national carrier (like State Farm, Nationwide, Progressive or several others that you know), we call their national claim number and see if a claim has been filed. 19659004] If yes, we receive a claim and provide our customer's contact information (see Cause 3 above). If not, we will submit the claim on behalf of our customers and provide the claim number and contact information.

Cause 5- The communication line has just ended

As you have probably already thought, many car insurance problems stem from communication issues – the other carrier does not know about the claim, or knows who you are, for example. But maybe that's not the beginning of the statement but somewhere along the way. Maybe the adjuster is waiting for you to provide medical bills or an estimate to repair your vehicle. Maybe the adjuster is talking to the body and they are trying to reach an agreement on the cost of repairing your vehicle. If your vehicle was towed from the scene, the adjuster may have trouble getting in to see the vehicle to assess the damage.

The list goes on, but sometimes the delay is just because SOMEONE is waiting for SOMETHING. If you are unsure, contact the claimant yourself and ask what has delayed the process. If necessary, you can ask your agent to get involved to help you navigate the claim (one of our standard services).

9 times out of 10, lack of communication is often the most important stopping point during car insurance claims. [19659019] Worried that your agent will not be there when you need help with a claim? We are here for you – call us at (937) 592-4871 or fill in the form below to get the quotation process started.

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