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You can sue the insurance company if it's delaying your claim procedure. Though, you must review your state's laws about this matter. Suppose the state laws don't mention any limitation for the timeframe an insurer can take to resolve your claim. In that case, you don't have any justifiable reason to file a lawsuit.
Give all the relevant facts concerning the claim. Refer to any documents that will help substantiate your position. Include a specific request for action you feel will correct the situation. Explain anything you intend to do to resolve the problem, but to not threaten legal action until negotiation has failed.
Dear [Insurance Provider Name], I hope this letter finds you well. I am writing to provide an explanation for the late submission of the required insurance documents for my policy, [Policy Number]. I sincerely apologize for any inconvenience caused by this delay.
Information To Include in Your Letter Give the basics. Tell your story. Tell the company how you want to resolve the problem. Be reasonable. File your complaint. Your Address. Your City, State, Zip Code. [Your email address, if sending by email] Date.
Non-disclosure of facts You must provide complete and correct information to the insurance company. If you fail to do so then it will be difficult for the company to investigate the case and hence your claim would get delayed or might also get rejected.