The Delay Game Is Real
How to Know If Your Claim Is Being Stalled for Profit
(Introducing the Ripoff Detector)
By Jack D. Hapsburg | INSSUX Dispatch | January 19, 2026
The other day, we confirmed something that turns the stomach once you really think about it:
Insurance companies are using AI and automation to cut their costs, post record profits, and still jack up your premiums.
They’re getting lean.
You’re getting squeezed.
But premiums are just the cover charge.
The real money gets made when you actually have the nerve to file a claim.
That’s when the game starts.
When You’re Hurt, They Smell Money
Car crash.
House fire.
Hurricane, and we don’t even have to mention Medical insurance.
You’re shaken. You’re stressed. You need help.
The insurance company doesn’t see a human being in distress.
They see an expense leak.
Something to cap.
Delay.
Or quietly suffocate.
And that’s not opinion, that’s business math.
The Business of “No”
Every dollar they don’t pay you goes straight to the bottom line.
So they don’t just deny claims.
They engineer friction.
“We just need one more document.”
“That department handles it.”
“We never received that.”
“Let’s revisit this next quarter.”
Why the lowball offers?
Why the technical denials?
Why the weeks of silence?
Because the Delay Game is wildly profitable.
It’s often cheaper for a massive carrier to drag you through three years of legal hell than to pay you fairly today.
Why?
Because while they stall, they’re sitting on your money.
How They Make Money While You Bleed
Your premiums don’t sit in a vault.
They get invested.
Stocks.
Bonds.
Funds.
Returns.
So while you’re draining your savings to fix your roof or cover medical bills, they’re earning yield on money they already owe you.
That’s not inefficiency.
That’s strategy.
Where the Money Really Goes
Does it go toward lowering rates?
No.
It goes to:
Executive toys and seven-figure bonuses
All-expenses-paid “strategy retreats” in places like Paris
Armies of lawyers trained to exhaust you into submission
Bloated middle management and outdated actuarial models used to justify the next rate hike
Your pain isn’t a side effect.
It’s the fuel.
Enough. Enter the Ripoff Detector.
We got tired of watching decent people get slowly ground down by this machine.
You can’t challenge a billion-dollar industry if you don’t know its playbook.
So we took it.
1. The Ripoff Detector (Beta)
This tool analyzes what’s happening with your active claim.
You tell us what the insurer is doing — or not doing — and our system, trained on years of bad-faith tactics, flags whether you’re being treated fairly or being set up for a long, expensive disappointment.
Right now, it’s focused strictly on claims.
(Yes — the version that exposes junk policies and commission padding is coming.)
If you have an open claim, use it now, not later.
2. Free PDF: “7 Red Flags You’re Not Being Treated Fairly”
No tech? No problem.
This guide is plain English. No legal fog. Just the truth.
It breaks down the classic tricks:
The Silence Strategy (they ghost you)
The Document Treadmill (same paperwork, over and over)
The Lowball First Offer Trap
The “Independent” Adjuster Who Isn’t
If these flags are waving, you’re not paranoid.
You’re being managed.
Take Action
The industry is betting you’re too busy, too tired, or too confused to push back.
They’re counting on it.
Stop making their job easy.
Whether you’re already stuck in a claim nightmare or just want to be ready for the inevitable — get the tools.
Stop funding executive vacations with your unpaid losses.
[CLICK HERE TO USE THE CLAIMS RIPOFF DETECTOR]
[CLICK HERE TO GET THE “7 RED FLAGS” PDF]
Stay sharp.
— J.D.H.
Because delay isn’t a mistake. It’s the model.
#makethempay #inssux #insurancejustice
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