Insurance companies may stall whiplash claims by delaying a decision to accept or deny the claim. Initially, they will undervalue the amount of compensation owed in an attempt to get the person to accept the lower amount.
They will also ask for medical records and other documentation to support the claim, causing further delays. Additionally, they will often subject the claimant to multiple examinations with their healthcare providers, also known as Independent Medical Examination, which can delay the process further by weeks or months.
Furthermore, insurance companies will sometimes use tactics — such as providing inaccurate information about relevant laws pertaining to the case — to discourage claimants from pursuing legal action against them. They can also attempt to get the claimant to admit partial fault to be able to use comparative negligence and further reduce the amount of compensation received.