An insurance company has 90 days to pay, deny, or settle a valid claim. The 90-day clock begins when the insurer receives the claim from its client.

Insurers know the longer you wait, the more likely you will settle for a lower payment. Your car needs repairs. You have hospital bills. If your insurer seems to take too long on your claim, contact an experienced insurance bad faith attorney.

Lowball offers are a tactic insurance companies use to get out of paying the full amount of a claim. Giving you a low offer also drags out the process, whittling away the time a policyholder has to sue for bad faith.

If you receive an unfair offer, don’t waste time negotiating with the insurance company. Reach out to a personal injury attorney who will advocate for you or even begin the steps to file a bad faith lawsuit.