Denied or Delayed: What to Do If Your Insurance Claim Is Stalled After a Crash

You did everything right. You reported the accident, saw a doctor, filed your claim, and submitted all the paperwork. But now, you’re stuck in limbo — waiting on an answer that never comes.

If your insurance claim is stalled, you’re not alone. Many New Yorkers — especially here in Brooklyn — experience long, unexplained delays after a crash. What’s worse, these delays often come at the worst time: when you’re juggling medical bills, missing work, or waiting on car repairs.

Insurance companies know this. And some use it as a tactic — hoping that you’ll get frustrated enough to accept a lowball settlement, or even give up entirely.

Here’s what you need to know:

• Insurance companies must respond. In New York, they’re legally required to provide a written explanation for delays or denials.
• Track everything. Keep a record of every call, email, and unanswered message.
• Don’t accept blame. Never admit fault or accept partial responsibility without legal advice — it could reduce or void your payout.
• Legal help speeds things up. Insurance companies are more likely to act when they know a lawyer is watching.

At Momentum Law, we’ve helped countless clients across Brooklyn and NYC resolve stalled or denied claims. Once we step in, communication improves and timelines start moving again. Why? Because insurers know we won’t wait quietly — and neither should you.

If your claim is stuck, reach out. We’ll help you take back control — and fight for the compensation you deserve.

Don’t wait another week for a response that may never come. Let us help you move forward — starting today.