Why do insurance companies take so long to pay when their insured driver is at fault?

Insurance companies are in the business of doing what's best for THEM. They don't care that you are having trouble because of the loss that their client caused. A lawyer can help you, or contact your own insurance company to see if they can expedite the process. If those options don't work for you, contact your state insurance commission for advice and possibly assistance. ---- Actually, one thing that CAN hold up a claim, is the fact that the claims representatives may have to investigate whom is to be held at fault. When the insured and the claimant have conflicting stories do you not deem it fair to look into both parties allegations? Or should the insurance always just pay out whatever to whomever and then have to raise premiums for many policyholders?