[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.lawtoncates.com\/blog\/beware-the-insurance-company-three-d-s-delay-den\/#BlogPosting","mainEntityOfPage":"https:\/\/www.lawtoncates.com\/blog\/beware-the-insurance-company-three-d-s-delay-den\/","headline":"Beware the Insurance Company Three D\u2019s: Delay, Deny, Defend","name":"Beware the Insurance Company Three D\u2019s: Delay, Deny, Defend","description":"We see insurance companies in action almost every day. While not all of them act in bad faith, many of the largest companies changed business tactics in the 1990s to maximize profits while minimizing claim payments. Many of these are also the companies with the catchy advertising slogans and the quirky commercials. This month we […]","datePublished":"2011-12-03","dateModified":"2025-11-27","author":{"@type":"Person","@id":"https:\/\/www.lawtoncates.com\/blog\/author\/briane-pagel\/#Person","name":"Briane Pagel","url":"https:\/\/www.lawtoncates.com\/blog\/author\/briane-pagel\/","identifier":29,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/457ef237bf76f8939a4550b2f672b542659ac99ac598d97e10a760eb25488c45?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/457ef237bf76f8939a4550b2f672b542659ac99ac598d97e10a760eb25488c45?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"LawtonCates, S.C.","logo":{"@type":"ImageObject","@id":"https:\/\/www.lawtoncates.com\/wp-content\/uploads\/2024\/03\/lawtoncates-logo.png","url":"https:\/\/www.lawtoncates.com\/wp-content\/uploads\/2024\/03\/lawtoncates-logo.png","width":438,"height":73}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lawtoncates.com\/wp-content\/uploads\/2024\/04\/lawton-cates-attorneys.jpg","url":"https:\/\/www.lawtoncates.com\/wp-content\/uploads\/2024\/04\/lawton-cates-attorneys.jpg","width":694,"height":550},"url":"https:\/\/www.lawtoncates.com\/blog\/beware-the-insurance-company-three-d-s-delay-den\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=5s0fHqRtLw0#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=5s0fHqRtLw0","name":"Exposing Insurance Tactics: Deny, Delay, Defend - Know Your Rights in Wisconsin","description":"Ever heard of the insurance company tactic 'Deny, Delay, Defend'? It\u2019s designed to maximize their profits at your expense. First, they might deny your claim without a clear reason. If you push back, they\u2019ll delay by asking for endless documents or testing, hoping you'll give up. And if you don't, they bring in a team of lawyers to defend their bottom line.\n\nBut here\u2019s the good news for Wisconsin residents: Under statute 628.46, insurers are required to handle claims fairly. If they don\u2019t, you may have legal options, including claims for breach of contract or even bad faith.\n\nDon\u2019t fall victim to these tactics. Watch this video to learn about your rights and how to stand up to unfair insurance practices.","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/5s0fHqRtLw0\/default.jpg","https:\/\/i.ytimg.com\/vi\/5s0fHqRtLw0\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/5s0fHqRtLw0\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/5s0fHqRtLw0\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/5s0fHqRtLw0\/maxresdefault.jpg"],"uploadDate":"2025-04-30T17:01:22+00:00","duration":"PT1M5S","embedUrl":"https:\/\/www.youtube.com\/embed\/5s0fHqRtLw0","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCf7ismQHST-VKSCvsz2w3SA#Organization","url":"https:\/\/www.youtube.com\/channel\/UCf7ismQHST-VKSCvsz2w3SA","name":"Lawton & Cates","description":"Excellence in Litigation - Madison Personal Injury Lawyers - Attorneys at Law\n\nWhen you need an attorney, trust the voice of experience.\n\nFor over 60 years, Lawton & Cates has represented workers, the injured, consumers and small businesses. Our experienced lawyers are qualified to handle many types of legal disputes, including personal injury, workers compensation, business and general litigation and criminal defense cases.  We also have a team of skilled family law attorneys who represent people for divorce, custody, placement, child support, adoption, surrogacy and grandparents rights matters.\n\nOur attorneys have achieved national and local recognition. Lawton & Cates is listed in the Bar Register of Preeminent Lawyers for personal injury, labor and employment law, civil and criminal trial practice and construction law.","logo":{"url":"https:\/\/yt3.ggpht.com\/cYGQekN6J_ASb8P_Eav46kvAcB34RBZphxQyUK5OzUsK8exI2GRBQKkcTQUUWv8qXCBoPJfy7zU=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=5s0fHqRtLw0#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=5s0fHqRtLw0#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=5s0fHqRtLw0&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=5s0fHqRtLw0#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":131}]]},"about":["Consumer Protection Law"],"wordCount":165,"articleBody":"We see insurance companies in action almost every day. While not all of them act in bad faith, many of the largest companies changed business tactics in the 1990s to maximize profits while minimizing claim payments. Many of these are also the companies with the catchy advertising slogans and the quirky commercials. This month we uncover some of the \u201ctricks of the trade\u201d these companies use to deny people the insurance benefits they deserve. And we include tips and resources we hope will help you fight back if your claim is unjustly denied.Exposing Insurance Tactics: Deny, Delay, Defend – Know Your Rights in WisconsinWhen you buy insurance, you\u2019re buying security. In exchange for your hard-earned dollars, you trust the insurance company to be there when disaster strikes, to shoulder a potentially devastating financial burden. But too many insurance companies care more about profits than policyholders. They employ shady tactics to keep from paying legitimate claims, a practice we call\u00a0The Three D\u2019s."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.lawtoncates.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Beware the Insurance Company Three D\u2019s: Delay, Deny, Defend","item":"https:\/\/www.lawtoncates.com\/blog\/beware-the-insurance-company-three-d-s-delay-den\/#breadcrumbitem"}]}]