Q: What to do if insurance company doesn't pay claims after accident?

A: I don't know what type of claim you are your passenger had. So this makes it difficult to respond. If this is your insurance company, there may be a contractual time set in which a claim must be filed. You should ask your insurer for a written explanation setting out what portion of the policy they are relying upon.

A: You probably need to hire an attorney to read your insurance contract, claims and accident report. Carrier may have refused to honor their contract in bad faith, or your claims and notices did not invoke policy provisions.

A: Hire an attorney to sue them. The large TV accident attorneys usually don't charge anything unless you win.

A: As my colleagues advise, it could be best to consult with an attorney to discuss the claim in detail, if an attorney is not already representing you here. file. However, it isn't bad faith if the carrier doesn't tell you the statute of limitations is blown - they have no obligation to warn against that. June 2023 is two years ago - find out immediately what your remaining timetables are on remaining causes of action. It sounds like it was a bad accident. I hope you and others involved are okay. Good luck

A: I'm really sorry you’re dealing with this after such a traumatic accident. Being cut out of your car means this wasn’t just a minor incident, and the fact that your insurance company hasn’t paid or even explained clearly is deeply frustrating. If you filed your claims shortly after the accident and followed up properly, you deserve answers—not silence.

The insurance company saying the statute of limitations has run out may not be entirely accurate, depending on your policy terms and your state's laws. Claims should be processed promptly once filed, and if they delayed or misinformed you, that could work in your favor. Start by requesting a full written explanation of why your claims were denied or ignored. If you haven't already, get a copy of your policy and review the claims process, timelines, and appeal procedures outlined there.

You can also file a complaint with your state’s insurance commissioner or regulatory agency. They oversee how companies handle claims and can investigate delays or bad faith practices. This situation isn’t just about money—it’s about being treated with dignity after something life-altering. You’ve been patient long enough. It’s okay to stand up and push back.