Delay, Deny, Defend Why Insurance Companies Don't Pay Claims and What You Can Do About It Jay M. Feinman Over the last two decades, insurance has become less of a safety net and more of a spider's web: sticky and complicated, designed to ensnare as much as to aid. Insurance companies now often try to delay payment of justified claims, deny payment altogether, and defend these actions by forcing claimants to enter litigation. Now legal scholar and insurance expert Jay Feinman explains how these trends developed, how the government ought to fix the system, and what the rest of us can do to protect ourselves. Book jacket.