Why Did the Insurance Company Deny My Car Accident Claim?

 

Even though many drivers in Florida have insurance, that doesn’t mean the insurance company is working for you. Insurance companies are always concerned first and foremost with their bottom line; they are in the business of making a profit and they can’t make a profit if they’re doling out a lot of money for an injury claim. This is why so often, after a motor vehicle accident, injured drivers are so quick to accept the insurance company’s offer. They know that when you’re out of work, losing wages and receiving costly medical treatment, you’re not going to have the time to wait for a better deal. But, it’s always in your best interest to consult with an experienced motor vehicle accident attorney after a crash. They will negotiate with the insurance company on your behalf to make sure you’re getting what you’re rightly owed. 

However, what should you do if you went ahead and filed a claim and the insurance company flat out denied it? What are your options now? Find out in the paragraphs below. 

Common Reasons for Denial

One of the most common reasons that an insurance claim is denied is because your policy didn’t cover the accident. Another common reason for a denial may because the other driver did not have insurance at the time of the accident and you didn’t have any uninsured motorist coverage. Uninsured motorist coverage is not a requirement, so the insurance company may choose to deny your claim if your accident involved a driver who didn’t have an insurance policy. 

Other common reasons for denial include:

  • You made false statements about how the accident occurred and/or the severity of your injuries
  • You missed the deadline to file a claim with the insurance company
  • You were under the influence of drugs or alcohol when the crash occurred
  • You failed to pay your insurance premiums, meaning you technically had no coverage at the time of the accident
  • Your damages exceed the limits of your policy

For example, Florida drivers are only required to have $10,000 in personal injury protection, however this is rarely enough money to cover all of the damages that are associated with a severe motor vehicle accident. 

How Can an Attorney Help?

While it may seem like all hope is lost, it isn’t. Your car accident attorney can file an appeal with the insurance company and if necessary, pursue a personal injury lawsuit to recover the damages you’re rightly owed. If the insurance company denied your claim, don’t make the mistake of thinking this is the end. At Gonzalez & Cartwright, P.A., we have years of experience working with insurance companies. We know the games that they play and we’ll work with you to make sure you’re getting everything you need to help you on the road back to recovery. 

Contact a Fort Lauderdale Personal Injury Lawyer to Discuss Your Car Accident Case in Florida

Did you or a loved one sustain serious injuries due to a car accident in Florida? Don’t let the medical bills pile up while you wait for the negligent party or their insurance company to do the right thing. Right now, you need an aggressive personal injury attorney on your side, fighting to get you the compensation you need, want, and deserve. The skilled attorneys at Gonzalez & Cartwright, P.A. represent clients injured because of car accidents in Davie, Boca Raton, Sunrise, Plantation, and throughout Florida. Call (561) 533-0345 or fill out our online contact form to schedule a free consultation about your case. We have an office conveniently located at 813 Lucerne Ave., Lake Worth, FL 33460, as well as offices in Pompano Beach.

The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney-client relationship. If you are seeking legal advice, please contact our law firm directly.