Q: Insurance investigation claim time frame
I had gotten injured from the ground collapsing while standing on walking path and went down in a hole about 3 ft. Its newly constructed city owed public marina. Filed report with city and they gave me a claim number to cover medical bills. The insurance started an investigation a few months ago and haven't received any correspondence from them about it. So just wondering the time frame they have to do the investigation.
A: Are you sure it's a private insurance company that is handling the claim, as opposed to the city itself? If it's a private insurer, they generally should complete their investigation and either pay or deny the claim within 90 days. If it's city risk management, and a proper notice of claim was submitted, they have 6 months. In either case, there's no automatic enforcement mechanism; you must initiate action to enforce your rights. Are you also sure that you are claiming all money damages allowable by law? You may be entitled to much more than just your medical bills. If you have not consulted a personal injury lawyer, you should do so.
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