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How To Overturn A Denied Insurance Claim After An Accident

Auto insurance companies are businesses run for profit, so they would like nothing more than to deny your auto accident claim. It is common practice that when a policyholder contacts them with a claim, they will look for ways to deny it. If your claim was denied, the first thing you should do is to discuss your situation with a Florida personal injury attorney. If you are still eligible to obtain compensation, an attorney can help you challenge your insurance company denial and even take the insurance company to court if needed.

Reasons Insurance Companies Use To Deny Your Claim

Insurance companies have many reasons why they might deny your claim. These include the following:

● Your damages are not covered by your insurance policy.
● You failed to report the accident to the police immediately.
● You missed a payment and your policy lapsed.
● You missed the insurance company’s deadline to file the claim.
● They claim you lied or misrepresented information when you filed the insurance claim.
● Your license expired at the time of the accident.
● You failed to seek immediate medical attention within 14 days, so you may have been injured by something other than the accident.
● You were intoxicated at the time of the accident as indicated by a citation.

If you caused an accident while you were impaired, that is a valid reason for denial, especially if you were doing so on an expired license. But if you went to seek medical attention the day after the accident instead of the same day, you may have a valid case for compensation.

What To Do If Your Claim Is Denied In Florida

First of all, read and review the reasons for the initial denial to see if there are any mistakes on your part. Fix any errors or provide any additional information that the insurance company needs to process your claim. If you resubmit and are still denied, you do have options. A significant number of appeals are successful. There are steps you can take:

• Appeal The Denial – File an internal appeal with your insurance company. When you request an internal appeal, your case will go to a different adjuster than the one who denied you. Often upon review, your denial will be overturned.
• Provide More Information – If you see that the insurance company was misinformed, then clarify the issue or provide additional information.
• File The Appeal Correctly – Your denial letter will contain information on how to file an appeal. Follow all of the instructions in a timely fashion.

If they continue to deny you, then your option is to file a personal injury protection (PIP) lawsuit.

What Is A PIP Lawsuit In Florida?

A PIP lawsuit is what you file against your insurance company when they deny you the benefits you deserve. If you are in an auto accident that results in serious injuries or the death of a loved one, you may be better off if you file an injury lawsuit against the person at fault for the accident rather than against your insurance company.

If you have any questions, doubts, or concerns about PIP lawsuits, it’s best to contact a Florida personal injury attorney who knows insurance companies and discuss your options. When you work with a Florida PIP attorney, they can help you obtain compensation for current and future medical expenses, wages, and pain and suffering.

The last thing you should be doing when you are in pain and not working is wondering who will pay the bills from your accident. The focus of the attorneys at All Injuries Law Firm, P.A. is to get you the compensation you deserve. With over thirty years of experience and a team of experts, we can provide you with the legal assistance you need. Personal injury is our expertise, and it is what we’re known for throughout Port Charlotte and Southwest Florida. Give us a call at 1-941-625-HURT today to learn more.