Insurance claims can feel overwhelming, especially when delays happen. When you’re waiting on your insurance company to process your claim, every day can feel like an eternity. Texas law steps in to make sure insurance companies handle your claim promptly and fairly. If your insurer takes too long, the law offers protections to keep the process moving and protect your interests.
What causes insurance delays?
Delays happen for many reasons, including missing documents, investigation needs, or heavy claim volume. Sometimes insurers stall to avoid paying, which can add frustration. Knowing the common causes of delays can help you understand your rights and what to expect during the claim process.
Texas Prompt Payment Act
The Texas Prompt Payment of Claims Act requires insurance companies to process and pay claims within specific deadlines. For example, insurers must acknowledge your claim within 15 days and pay valid claims within 60 days. These rules discourage unnecessary delays and keep insurers accountable, helping you receive your payment sooner.
Your rights if there is a delay
If your insurer delays payment beyond the deadlines, Texas law lets you seek extra damages. This can include penalties and attorney fees, which serve as a deterrent against slow claims processing. These protections encourage insurers to act quickly and fairly when handling your claim, giving you a stronger position if issues arise.
Staying proactive with your claim
You can help speed up your claim by submitting all necessary documents quickly and staying in touch with your insurer. Keep detailed records of all communications and deadlines. This way, you stay informed and can spot delays early before they cause bigger problems. Being proactive makes a big difference in how smoothly your claim proceeds.
Insurance delays can be frustrating, but Texas law gives you tools to protect your claim. Understanding these protections helps you ensure your insurer handles your claim fairly and without unnecessary delays. Knowing your rights puts you in control throughout the insurance process.