Unfortunately, insurance companies sometimes deny car accident claims, and they do so for a variety of reasons. If you receive a denial letter from your insurance carrier, you should:
- Talk to your attorney about filing an appeal – if an insurer denies your claim, we can appeal its decision and provide the insurer with additional evidence to consider.
- Determine why the insurer denied the claim and use the reasoning to file your appeal.
Call us at 800-747-3733 for assistance if your insurance company denies your claim. The attorneys at Anidjar & Levine are happy to discuss your case and let you know your options.
Why Did My Insurance Company Deny My Claim?
Insurance companies are for-profit businesses that look for ways to cut costs whenever possible. One way is to reduce payouts or deny car insurance claims altogether. This means that the insurance company is always looking for reasons to reject your claim. The reasons for denial will vary depending on the type of coverage.
- Your policies do not cover the accident in question. Many accidents fall under different forms of coverage, including liability coverage or collision coverage, which Florida law does not require. As a result, insurance companies deny many people’s claims because they do not have the coverage they need. However, whether your accident falls under your policy is a judgment call, so you have every right to dispute the insurer’s decision.
- The other driver had no insurance, and you do not have Uninsured Motorist (UM) coverage. Similar to the previous reason for denial, if you do not have the appropriate coverage, the insurer may deny your claim.
- You drove under the influence at the time of the accident, or you otherwise intentionally caused it. Insurers award no-fault benefits regardless of fault. However, there are exceptions. If the insurer believes that you purposely caused the crash or were under the influence at the time, it may deny your claim for Personal Injury Protection (PIP) benefits.
- Your damages exceed your policy limits. If your injuries and damages are too costly, you may recover much less from your insurer than you deserve. Many Florida drivers only have $10,000 in PIP coverage, as it is all that the government requires. However, this is rarely enough to cover all the injuries and damages in an accident.
- You missed deadlines. Insurance companies have strict reporting guidelines that include a requirement to report your claim within a certain number of days after an accident. Missing that deadline or other deadlines can result in claim denial, so make sure to file your paperwork in a timely fashion.
- You made false or misleading statements. Insurers may accuse you of making false statements about how the accident occurred and the severity of your injuries. For example, an insurer may claim that your back injury constituted a pre-existing condition and had nothing to do with the accident in question. In such cases, we will need to provide additional information (e.g., medical records, etc.) to prove that the accident caused your injury.
- You failed to pay your insurance premiums. Your insurer may claim that you failed to pay your premiums and therefore had no coverage at the time of the accident. It is our job to establish that the policy had not lapsed at the time of the crash.
Call Us Today
If your insurance company denied your claim, do not lose hope. Our attorneys can help you file an appeal, and if the insurer still does not make you a reasonable offer or denies your claim altogether, we may file a lawsuit if your injuries qualify as serious under state law. Call the Law Firm of Anidjar & Levine at 800-747-3733 today for more information.