They Delay, We Don’t. We Know Their Game and Beat Them at it for You.
If you've been injured in an auto accident, you expect the insurance company to do the right thing: review your claim, process it fairly, and issue payment promptly. But that’s rarely how it plays out. Instead, many accident victims find themselves trapped in a frustrating cycle of delays, excuses, and red tape.
Insurance companies know that the longer they drag things out, the more desperate you may become. They count on that pressure to force you into accepting a lower settlement. At Christmas Injury Lawyers, we’ve seen every delay tactic in the book—and we know exactly how to fight back.
We use legal deadlines, formal demands, and early case development to put pressure on the insurer and control the pace of the case. Our goal is to eliminate their excuses and limit their ability to stall. When they try to slow things down, we’re already three steps ahead—with your best interests driving every move we make.
Common Insurance Company Delay Tactics After an Car Accident
Not all delays are accidents. Many are intentional strategies designed to minimize payouts and wear you down.
The Most Common Delay Tactics Used to Stall Your Car Accident Claims
Insurance companies are notorious for using a wide range of strategies to slow down the claims process and frustrate accident victims. These tactics are designed to make you feel powerless, overwhelmed, and eager to settle quickly—usually for far less than your case is worth. Recognizing these common tricks is the first step toward protecting yourself and making sure you don’t fall into their trap.
Requesting unnecessary documentation repeatedly
One of the most common tactics insurance companies use is to bombard you with requests for documents—many of which they already have. They might ask for the same medical records multiple times, or insist on new forms and statements that have little to no bearing on your claim.
This tactic is meant to stall the process. It gives the illusion that your claim is progressing while subtly wearing you down and giving the insurance company more time to pressure you into a lowball offer.
Switching adjusters mid-case to delay claims
Another frustrating strategy involves switching adjusters during your claim. This often happens when you’re finally making progress and moving toward resolution.
When a new adjuster steps in, they typically need to “review the entire file,” causing additional delays. It can feel like you’re starting over from square one, and that’s the point—it interrupts your momentum and creates confusion, all to the insurer’s advantage.
Lowballing your medical expenses
Challenging the necessity or cost of your treatment is a delay tactic disguised as a dispute over value. Insurance companies may argue that your doctor-ordered treatments weren’t necessary or that your injuries weren’t caused by the accident.
They might even try to link your serious injuries to a pre-existing condition. All of this is done to undervalue your claim and give themselves more room to negotiate down your settlement—if not deny it outright.
Claiming they’re still “investigating” the accident
The vague and open-ended “ongoing investigation” is one of the easiest ways for insurers to keep you waiting. Even when they already have all the facts, they may continue to claim they need more time to “complete their review.”
This lack of transparency isn’t about getting answers—it’s about buying time. The longer you wait, the more pressure you feel to accept whatever offer is on the table.
Slow responses or radio silence
Perhaps the most blatant tactic is simply not responding. You leave voicemails that go unreturned. Emails vanish into the void. Documents take weeks—or months—to process.
This isn’t poor customer service. It’s a calculated tactic to frustrate you into submission. It puts all the power in the insurer’s hands while leaving you in the dark. And that’s exactly where they want you—unless you have a legal team like Christmas Injury Lawyers to keep the pressure on and the case moving forward
Why Insurance Companies Use Delay Tactics for Injury Claims
When you're dealing with an insurance company after an accident, you may quickly notice the frustrating pace at which they respond—or fail to respond at all. These delays aren’t just coincidence. They're often part of a calculated strategy to protect the insurer’s financial interests, not yours.
Delay Is a Profitable Strategy
Insurance representatives are in the business of making money. By delaying the resolution of your claim, they hold onto their funds longer and continue earning interest on that money. The longer they drag out your case, the more pressure they hope you’ll feel to accept less than what your claim is actually worth. They’re betting that financial hardship will lead you to settle quickly and cheaply, rather than continuing to fight for a fair outcome.
What Delays Can Accomplish for Insurers
Delays serve multiple purposes for insurance companies, all of which work against you as the injured party. First, they aim to wear you down emotionally and financially. With every week that passes, your stress increases. Bills continue to arrive. You might be out of work, dealing with lost wages and medical treatments, and facing a mountain of expenses. Insurers hope this will make you desperate enough to accept a fast, lowball offer—just to make the stress go away.
Delays can also be used as a legal weapon. By stalling communication, denying claims without reason, or dragging out settlement talks, insurers may try to push you beyond critical legal deadlines. If they succeed in delaying you past the statute of limitations, you could lose your right to recover altogether. That’s not an accident—it’s a tactic.
Finally, delays can weaken your case. Over time, memories fade, evidence can be lost or destroyed, and witnesses may become harder to locate or less reliable. When the case eventually moves forward, the insurance company may argue that your injuries aren’t serious or that the details of the incident are unclear. In doing so, they lower their own risk and limit what they’ll have to pay.
That’s why it’s crucial to act quickly and have an experienced legal team on your side. At Christmas Injury Lawyers, we recognize these delay tactics for what they are, and we don’t let them go unanswered. We push back hard, keeping your case moving and demanding timely responses—because your recovery shouldn't have to wait.
How Christmas Injury Lawyers Counters These Delay Tactics
Insurance companies may think delay is a weapon—but at Christmas Injury Lawyers, we turn that weapon back on them. We don’t sit back and wait. Our litigation-first strategy is specifically designed to keep your case moving forward, put pressure on the insurance company, and show them we’re serious from day one. We know how to counter their tactics, and we do it with speed, strategy, and relentless pursuit of what you’re owed.
A Plan Built to Pressure the Insurance Company
The moment we take your case, we get to work. Our team immediately begins collecting evidence, securing witness statements, and preserving critical records before they disappear. We notify all responsible parties and send legal notices that let them know they are being watched and held accountable.
We don’t wait for insurers to respond—we set the pace ourselves. Our approach ensures that your case never sits idle and never falls through the cracks. Insurance companies are used to dictating the timeline, but with us on your side, that dynamic changes. From day one, we establish that this case isn’t going to be buried in a drawer.
We Don’t Wait—We Litigate
Many firms are hesitant to file a lawsuit, but we are not. If the insurance company tries to stall or deny your claim, we file suit without delay. Filing a lawsuit is more than a legal step—it’s a strategic one. It signals that we’re prepared to go the distance, and it forces the insurance company to stop stalling and start engaging.
We build every case as if it’s going to trial, from the very beginning. This level of preparation positions us for success whether your case settles or proceeds to the courtroom. And because insurance companies know our reputation for being ready and willing to try cases, they are often more willing to settle fairly and quickly rather than risk a trial.
We Keep You in the Loop Every Step of the Way
You deserve more than silence and uncertainty. With us, you’ll never wonder what’s going on with your case. We provide regular updates and set realistic timelines so you always know where things stand. When you call, we answer. When you have questions, we explain.
Our goal is to keep you informed, involved, and empowered throughout the process. This transparency reduces your stress and allows you to focus on your recovery, knowing we are fighting hard behind the scenes.
We Demand Accountability—and We Deliver It
Insurance companies use delay to wear you down. We use our legal power to keep them honest. We hold them to deadlines, expose bad-faith behavior, and if necessary, seek penalties for unfair tactics. When an insurance company tries to sidestep responsibility, we don’t back down—we lean in.
With Christmas Injury Lawyers, you’re not just hiring a lawyer—you’re gaining a full legal team with decades of experience in fighting insurance delay. We don’t let your case get lost in the system. We keep it front and center, and we stay on the offensive until we’ve achieved the results you deserve.
FAQs About Insurance Company Delay Tactics
How long should an auto accident claim take to process?
It varies, but if it’s been more than a few weeks without meaningful updates or progress, the insurer may be stalling. An experienced attorney can intervene and push for action.
What can I do if the insurance company won’t call me back?
Call us. We’ll take over communication and hold the insurer accountable. Ignoring or avoiding you is a tactic we won’t tolerate.
Can I sue the insurance company when they deny claims?
In some cases, yes. If the insurer is acting in bad faith, you may have grounds for a lawsuit. We can evaluate your situation and take legal action if necessary.
Will hiring a lawyer really speed things up?
Absolutely. Once we’re involved, insurers know they can’t get away with stalling. They take our cases seriously—and they know we’re prepared to fight in court.
Do I have to pay anything upfront to hire your firm?
No. We work on a contingency fee basis, which means you pay nothing unless we win your case.
Don’t Let the Insurance Company Stall Your Justice - Get a Free Consultation
Delay is a weapon—and the insurance company is trained to use it. But at Christmas Injury Lawyers, we’ve seen their tactics before, and we know how to respond. We don’t let them control the pace of your recovery or the outcome of your case.
They delay, we don’t. From the moment we take your case, we apply pressure, move quickly, and disrupt their strategy. We don’t give them room to stall, and we don’t back down. Our litigation-forward mindset ensures that your case remains a priority—not just to us, but to the insurance company, too.
You’ve waited long enough. You deserve answers, progress, and results—not more excuses. Contact us today to schedule your free case review. Let’s get your case moving forward—fast, firm, and focused on getting what you’re owed.
