I meant no comma here that the insurance company wants the deadline to pass so no comma here that they don't have to payout pay out.
Note my corrections above.
Payout (noun)
Pay out (verb)
Note that saying that the company wants the deadline to pass makes more sense than your original, in which you said they waited for it to pass. Waiting for it to pass would require them to know that one of the people they insure has suffered an event that they
could file a claim for. If the claimant didn't file a claim before the deadline, the insurance company wouldn't know anything had happened so they wouldn't be
waiting for anything.
However, I suspect I know what you're trying to get at. Here's a scenario (tell me if I've got the right idea):
On January 16th, I was involved in a car accident that wasn't my fault. I rang my insurance company the same day and they took down the basic details and told me that I had to submit the full insurance claim (completed form, photos etc) by February 16th. So - there is a record of my phone call on the insurance company's system and they're waiting for the claim paperwork. Either I file the paperwork in time or I don't. The ball is entirely in my court at this point. The insurance company doesn't spend the next 30 days literally waiting for my paperwork! On February 17th, someone at the insurance company probably gets an automated alert that the deadline for my claim has expired so they close my file.