Here’s What to Do If It’s Been Months
You followed the rules. You filed a claim. You’ve been patient.
But months after your car accident, the insurance company still hasn’t paid what you need or worse, they’ve offered a settlement that barely covers your medical bills.
If this sounds familiar, you’re not alone.
At Bastion Law, we help injured people across Washington who’ve been left in limbo by insurance companies that delay, devalue, or deny fair compensation. And while delays aren’t always illegal, they can seriously hurt your recovery, physically and financially.
Let’s break down what might be happening, what your rights are, and how to move forward.
Why Is Your Settlement Taking So Long?
Insurance companies are in no rush to pay out claims, especially when the injuries are serious or the costs are high. They often wait you out, hoping you’ll accept less just to move on.
Here are common reasons they use to delay or underpay:
- Blaming your injuries on something else (“pre-existing condition”)
- Disputing your need for ongoing treatment
- Claiming you were partially at fault, even when the police report says otherwise
- Requesting more paperwork — again and again
While some of this might be standard protocol, it can also be a strategy: stall the process until you’re exhausted or financially vulnerable.
Signs the Insurance Company Is Lowballing You
Not sure if the settlement is too low? Look for these warning signs:
1. The offer doesn’t cover your total medical expenses
A fair settlement should include emergency care, rehab, follow-ups, and future treatment if needed.
2. They haven’t considered lost wages or long-term impact
If you’ve missed work (or can’t return to the same job) you may be entitled to more than just your initial hospital bill.
3. You’re being pressured to “sign and settle” quickly
Quick settlements often come with fine print that waives your right to additional compensation. Don’t rush it, especially before your injuries are fully healed.
4. They’re minimizing pain and suffering
Insurance companies often undervalue the emotional, mental, and day-to-day impact of an injury. You don’t have to accept that.
What You’re Legally Entitled to in Washington
If you were injured in a crash caused by someone else, you may be entitled to compensation for:
- Medical expenses (past and future)
- Lost income and reduced earning capacity
- Pain and suffering
- Property damage
- Emotional distress
You shouldn’t have to navigate this alone — and you don’t have to take the first offer.
How a Personal Injury Lawyer Can Help
At Bastion Law, we take the pressure off you — and put it back on the insurance company.
Here’s what we do:
- Review your claim, records, and settlement offer
- Help you understand what your case is really worth
- Handle communication with insurers so you don’t have to
- Negotiate a higher settlement or take your case to court, if needed
We’re not a volume firm chasing quick payouts. We’re a trial-ready team that takes time to understand your story and fight for the compensation you actually need to move forward.
Don’t Let Delays Derail Your Recovery
Waiting too long to act can still hurt your case. Records get lost, memories fade, and evidence disappears.
If it’s been months and you haven’t received a fair settlement (or any settlement at all) don’t wait.
Schedule Your Free Consultation Today
At Bastion Law, we help injured people across Washington get the compensation they deserve — without pressure, confusion, or hidden fees.
You don’t pay unless we win.
You don’t sign anything until you understand your options.
And you don’t have to settle for less than what’s fair.