What should the insurance company do if it doesn't pay the claim and keeps dragging it on?

1. What should I do if the insurance company refuses to pay the claim and keeps dragging it on?

1. The insurance company has been dragging on the claim, and the solution depends on the specific situation:

(1) If it is the efficiency problem of insurance salesmen, you can complain to the insurance company or the local insurance association;

(2) If it is an insurance company to verify the problem, it is necessary to make claims according to the contents of the insurance contract, or complain to the local insurance association;

(3) If it is an insurance claim dispute, it can be settled through arbitration according to the insurance contract, or it can be directly brought to court for settlement.

2. Legal basis: Article 23 of People's Republic of China (PRC) Insurance Law.

The insurer shall, after receiving the request of the insured or beneficiary for compensation or payment of insurance benefits, give it timely approval; If the situation is complicated, it shall be approved within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification result; For the insured, the obligation to compensate or pay insurance money shall be fulfilled within ten days after reaching an agreement with the insured or beneficiary. If the insurance contract stipulates the time limit for compensation or payment of insurance benefits, the insurer shall perform the obligation of compensation or payment of insurance benefits as agreed.

If the insurer fails to fulfill the obligations stipulated in the preceding paragraph in time, it shall compensate the insured or beneficiary for the losses incurred therefrom in addition to paying the insurance money.

No unit or individual may illegally interfere with the insurer's obligation to pay insurance money, and may not restrict the right of the insured or beneficiary to obtain insurance money.

Second, what is the process of insurance claims?

1. The applicant, the insured or the beneficiary shall notify the insurer in time after knowing the occurrence of the insured accident;

2. The insurer files an investigation;

3. Audit certificates and materials;

4. Check the insurance liability;

5. Fulfill the obligation of compensation.