What to do if insurance is avoiding you?

Asked by: Mr. Roberto Rau DVM  |  Last update: September 2, 2025
Score: 4.1/5 (43 votes)

Your Best Bet Is to Get a Lawyer. When insurance companies ignore you or possibly use other bad-faith tactics with your claim, it's best to get an attorney involved.

What to do if an insurance company is ignoring you?

You should try to contact the supervisor of the adjuster (if there is one). If not, you can report the company to your state's insurance commission. You may also want to consult with a personal injury lawyer (if you were injured).

How long can an insurance company ignore you?

If the insurance company fails to promptly investigate claims, usually within 40 days of receipt of notice of claim, it can be subject to liability in tort for bad faith.

What to do if no car insurance will take you?

If you're denied insurance, the first step is to call another insurer—different companies have different parameters. However, if several insurers have denied you, you may need to consider these options: Join a state assigned risk pool – Auto insurers participate on a voluntary basis in state assigned risk pools.

What to do when insurance won't answer?

Contact Your Insurance Representative's Supervisor

If you have been relegated to calling your insurance company's 800 number and leaving message after message for your point of contact, only to never hear back, try someone else. Contacting a supervisor may move your claim forward quicker and without too much trouble.

What should I do if the insurance adjuster won't call me back?

28 related questions found

Can you sue an insurance company for not responding?

Seeking Legal Advice

A lawyer specializing in insurance law can guide you through your options and help you decide on your next steps. Yes, it is possible to sue an insurance company if they are taking too long to settle a claim, as this could be considered bad faith.

Why is my insurance ghosting me?

Insurance companies often try to avoid liability for a claimant's losses entirely through delays or wrongful claim denials. Sometimes, an insurance company will ignore your claim and not return your phone calls to save money. If an insurance company is ignoring you, be proactive about pursuing coverage.

Why will no one insure me?

Why might you have a problem getting insurance. Insurers decide the terms and conditions on which to offer insurance cover or whether to offer cover at all. You may have a problem getting insurance if you have a complex medical history, are elderly or have criminal convictions.

How long can you go without car insurance?

It is a crime to drive almost anywhere without car insurance coverage, even for a minute or just down the street. So, how long can you be without car insurance? If you're driving, you can't. Anytime you get behind the wheel as a licensed driver, you need insurance coverage or you'll risk incurring major consequences.

Is it hard to get car insurance after being cancelled?

Luckily, many insurers still accept customers who have had a policy cancellation or non-renewal but be prepared to pay a higher rate. Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

How do I fight back against insurance companies?

There are 2 ways to appeal a health plan decision:
  1. Internal appeal: If your claim is denied or your health insurance coverage canceled, you have the right to an internal appeal. ...
  2. External review: You have the right to take your appeal to an independent third party for review.

Can you sue an insurance company for taking too long?

The answer to this question is complex, but California health insurance providers are bound by state law to respond to claims within a specific amount of time. If they fail to do so, you may have the basis for a lawsuit against your insurer due to bad faith.

What happens if insurance doesn't respond in 30 days?

Insurers Do Not Need to Respond to Demand Letters

However, your attorney will be ready to take action against the company if they refuse to give your claim the attention it deserves. This might be by filing a civil lawsuit against the company if they continue to handle your claim in bad faith.

What happens if you don't reply to an insurance claim?

When a claim is left unaddressed, it may lead to the insurance company assuming that you're at fault. This could result in you paying higher amounts than if you had addressed the claim promptly. Not responding to a claim can be seen as a breach of your insurance contract. This can lead to legal actions against you.

How long after a demand letter can I expect settlement?

In some cases, you may receive a response within a few weeks, while in others, it may take several months.

Can an insurance company refuse to insure you?

Yes, there are several reasons why a car insurance company can deny coverage, but if you are turned down by one company, you may still have options for coverage. Every carrier has its own rules about who it will cover, so if one company denies you coverage, you may still have options.

What is the grace period for car insurance?

Many insurance companies offer grace periods seven to 30 days after the due date. During your grace period, your coverage remains active, and you can pay your bill without penalties. Be sure to review your policy or contact your insurance company for more information on their late payment policy.

Can you get your insurance back if it is Cancelled?

If your car insurance was canceled because you didn't pay your premiums, you may be able to reinstate it. Many insurance companies offer a grace period after you've failed to make a payment. During the grace period, your car insurance can be reinstated once you pay the missed premiums and any fines, interest or fees.

What can I do if I can't get car insurance?

If you're having trouble finding insurance, it can be frustrating. Here are some actions you can take. If you are a high-risk driver and have been denied coverage by multiple insurance companies, you can join your state's assigned risk pool or work with an insurance company that specializes in high-risk drivers.

What happens if nobody will insure me?

California offers insurance of last resort under a program called the FAIR Plan, which covers up to $3 million for a residential structure and its contents.

Why do insurance companies ignore you?

Here's why: Insurance companies make money by not paying claims. If they can ignore you and pay you less, it means more profits in their pockets, helping their bottom line. The longer insurers don't pay your claim, the more interest they can make from the money you may be entitled to.

What should I not tell my insurance company?

The insurance adjuster doesn't need to hear your entire life story. Sharing personal anecdotes or irrelevant experiences might even hurt your claim. Stick to the facts and avoid extra details about your family, job history, prior injuries, or unrelated accidents.

Does insurance spy on you?

When an injury causes a lawsuit, a defendant's insurance company or lawyer might spy on you. The insurance company's goal of surveillance is to find any evidence that shows you are not as severely injured as you claim. Therefore, they owe you less money.

What is a bad faith claim?

Looking for evidence that supports the insurance company's basis for denying a claim and ignoring evidence that supports the policyholder's basis for making a claim is considered bad faith. If an insurer fails to promptly reply to a policyholder's claim, that act of negligence, willful or not, is considered bad faith.