Despite the recent buzz about changing insurance requirements in Florida, the state is currently a “no-fault” state. In short, this means that the insurance company of the policyholder is responsible for compensating damages incurred in a car accident, as opposed to at-fault states, in which the drivers involved are responsible for damages to other drivers and there are no limitations on lawsuits.
Since Florida is still considered a “no-fault” state, let’s take a look at how this impacts the reasons why insurance claims are commonly denied.
1. You opted not to seek medical attention.
We’ve said it before and we stand by our statement, it is crucial to your health and safety as well as your car insurance claim that you seek medical attention as soon as you can after an accident.
By putting this off or forgoing all together, this could give the insurance company the opportunity to question whether the injuries happened in the accident or after. Make sure you get a medical examination and let the medical professionals know that you were involved in a car accident. Your medical records will be beneficial to your claim and compensation. Without it, insurance adjusters are able to poke holes in your claim, minimizing or denying it altogether.
2. You waited too long to file a claim.
Time is of the essence when we’re dealing with car accidents and insurance claims. It is your responsibility to notify your insurance company when you’ve been in an accident. By delaying this, your insurance company could come back and say that they weren’t given the opportunity to fully investigate your claim and, therefore, deny your claim.
Each policy is different as well, it’s important to know what the requirements are for your policy to ensure timely action.
3. There’s not enough documentation to back up your claim.
If you weren’t diligent in keeping track of the car accident by bypassing medical attention, and delays in letting your insurance company know of the accident, lack of documentation can really hurt your claim.
Items such as: a police report, medical records and diagnoses, images of the scene, eye witness accounts, etc. are all helpful in a car accident insurance claim.
4. The claim exceeds your coverage amount.
Each state has varied minimum coverage requirements, this doesn’t mean you can’t purchase additional coverage, however, if you only maintain the minimum required coverage, you may find yourself in trouble.
If your claim exceeds the coverage that you have allotted, your claim may be denied.
5. You decided not to seek legal assistance.
If you decided to take on your car accident insurance claim yourself, chances are you don’t know all of the ins and outs of the claims process. Insurance adjusters are skilled at minimizing or denying claims altogether.
It is always a good idea to seek professional help in the event of a car accident and insurance claim. If you need advice on a denied claim or if you’ve been involved in an accident and you need an attorney on your side, give us a call today.