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Timeline Guide
Insurance Delay Tactics | Attorney Raffi Naljian
Insurance companies sometimes use delay tactics to frustrate claimants into accepting less. Attorney Raffi Naljian explains common stalling techniques and how they affect your claim timeline. Recognizing these tactics helps you respond appropriately and protect your interests.
Insurance company stalling?
Raffi Naljian
California Personal Injury, Litigation & Criminal Defense Attorney
Raffi Garabed Naljian is an active California attorney listed under State Bar #238919. The State Bar profile lists personal injury, litigation, criminal law, and business law among his self-reported practice areas, and Naljian Law Offices describes a Glendale practice handling criminal defense and civil litigation, including personal injury matters.
View Full ProfileIs This the Right Attorney for Your Case?
Dealing with insurance company tactics requires experience and patience. Raffi Naljian understands how insurers operate and can help you navigate delays without compromising your claim's value. Also searched as: Rafi Nanaljian, Raffi Nalian, Rafi Naljian.
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What to Do Next
- 1Document all communications with the insurance company
- 2Keep records of delays and missed deadlines
- 3Don't accept pressure to settle quickly
- 4Understand that delays don't mean you should give up
- 5Ask your attorney about bad faith if delays are excessive
- 6Be patient but persistent
- 7Know your rights under California insurance regulations
Evidence Checklist
- Log of all calls and emails with dates
- Copies of all correspondence
- Notes on promises made and deadlines given
- Documentation of repeated requests
- Evidence of claim status changes
- Records showing unreasonable delays
Don't let delays diminish your claim.
Common Mistakes to Avoid
- Getting frustrated and accepting a low offer
- Stopping treatment because of claim delays
- Not documenting communications
- Assuming delays mean your claim is weak
- Missing the statute of limitations while waiting
- Giving up on the claim
How the Process Typically Works
1
Initial Response (15 days)
California requires acknowledgment within 15 days
2
Investigation (40 days)
Insurer should complete investigation timely
3
Decision/Offer
Accept, deny, or require more information
4
Delays
Tactics may extend timeline beyond reasonable
5
Bad Faith Potential
Unreasonable delays may support bad faith claims
Damages You May Be Able to Recover
- •Original claim damages remain available
- •Bad faith may allow additional recovery
- •Document delays to support any bad faith claim
- •Don't let delays reduce your expectations
Frequently Asked Questions
What are common insurance delay tactics?
Common tactics include: requesting redundant documents, changing adjusters, slow responses, making lowball offers to test patience, and prolonged "investigation" periods.
Why do insurance companies delay?
Delays can wear down claimants, hoping they'll accept less just to resolve the matter. It also earns investment income on reserves and may push past memory of the accident.
What are my rights regarding timelines?
California law requires insurers to acknowledge claims within 15 days, act reasonably and promptly, and not delay without valid reason. Violations may constitute bad faith.
What is insurance bad faith?
Bad faith occurs when an insurer unreasonably delays, denies, or underpays claims without proper basis. It can lead to damages beyond the policy limits.
How should I respond to delay tactics?
Document everything, stay persistent but professional, continue your medical treatment, and consult an attorney if delays become unreasonable.
Free intake review about your claim status.
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