Following a New Jersey accident, you expect your insurance claim to be handled swiftly and fairly. Instead, you are met with endless delays. While you may assume this is simply poor service, don’t be fooled. This is a calculated tactic intended to protect their profit and exhaust you into accepting a lowball settlement. Our knowledgeable Springfield Injury Lawyers know how to counter this strategy and fight for the compensation you need to get your life back on track. 

What Are Common Delay Tactics Used by Insurance Companies in NJ?

Insurance companies can stall your claim in several ways:

  • Endless Paperwork Quests: This is a classic move employed by insurance companies. They will repeatedly demand mountains of records. It is important to understand that this is not about getting information; it is a tactic to overwhelm you. A Springfield injury lawyer will help cut through the noise and sift through these irrelevant “fishing expeditions.”
  • Ghosting and the Rotating Door: Insurance adjusters will suddenly stop answering your calls/emails, or your file may be passed to a new adjuster every few weeks. This will force you to continually re-explain your narrative of the situation, providing them with chances to impede the process. 
  • Disputing Liability: Even when fault is clear-cut, the insurance adjuster will try to argue that you were partly at fault for the accident, or that a third party caused the crash. This is their way of avoiding making any offer at all while they “investigate” the merits of your claim. A Springfield injury lawyer can help collect concrete evidence (police reports, surveillance footage, expert testimony) to shield you from these flimsy arguments. 
  • PIP/Medical Battles: New Jersey’s no-fault system means your own PIP will cover your medical expenses first. However, insurers normally drag their feet by making you see their doctor (IME) or denying necessary procedures. This will disrupt your medical care and complicate your case against the responsible party. 
  • The “Verbal Threshold” Excuse: Most insurance polices incldue a “lawsuit limit,” which prevents you from suing unless your injury is deemed “serious,” usually meaning permanent. Insurers will exploit this rule by delaying a decision on whether your injury meets this threshold. A skilled Springfield injury lawyer will compile compelling medical evidence to challenge this defense and push for a settlement. 

How Can a Springfield Injury Lawyer Help Fight Against Common Delay Tactics?

Engaging a qualified Springfield injury lawyer forces the insurer to communicate only through your legal counsel. This prevents the insurance adjuster from pressuring you and enables your lawyer to pursue formal demands, creating a necessary record. If delays continue, your lawyer can file a lawsuit, which insurers take much more seriously. 

Contact Lee Law Firm today to schedule a consultation.