What To Do If Your Auto Insurance Claim is Denied?

The reason we have insurance, aside from it being the law in the State of Florida, is to cover our expenses if we’re ever involved in an accident. 

We all hope to never have to use our insurance, however, when the time comes we want to be covered. So what happens if your insurance claim is denied? 

It’s not really something we think of or consider when we sign up for our car insurance policy, that our claims can be denied. 

So what should you do if this happens to you?

What does it mean and why are insurance claims denied?

A denial could be considered a full denial of the total claim or you could receive a minimal amount of compensation that doesn’t even come close to covering the damages from the accident. 

Since Florida is a no-fault state, a claim denial typically comes from your own insurance company. So what exactly causes a claim to be denied? 

That’s a difficult question to answer simply because every accident is so unique. Basically what it comes down to is the insurance adjuster. 

We’ve written about insurance adjusters before: 

•  7 Secrets Your Insurance Adjuster Does Not Want You To Know
• How To Respond To Insurance Adjuster Calls Without Self-Sabotaging Your Car Accident Case

Typically, claims will be denied because of lacking evidence, documentation or witnesses. If your claim exceeds the amount covered by your insurance policy, this will also result in a partially denied claim. Delay in filing a claim can also cause issues. 

The best thing you can do is try to avoid a claim denial in the first place. 

Report the Accident and File a insurance Claim immediately 

As soon as it is safe to do so, it’s important to contact authorities and your insurance company to report the accident. Be sure to be as detailed as possible and provide sufficient evidence to prove your claim. 

Don’t Skip Out On Necessary Medical Treatment

Don’t skip necessary medical treatment for fear that you won’t have the money to cover your expenses. Any and all medical documentation is beneficial to add validity to your claim.

Be Prepared For a Struggle

Understand that it’s an insurance adjusters job to keep money within the insurance company. Insurance is a business and they only stay in business by making money, not paying it out. 

The more documentation you provide the better your chances of getting fair compensation. 

So what can you do if your insurance claim is denied?

If your claim is denied, you should speak with an attorney immediately if you aren’t working with one already. 

It’s important to consult with an attorney as soon as you’re involved in an accident. They know how to interact with the insurance companies, they have a lot of experience with adjuster tactics, and will be able to navigate the road ahead to get your claim covered. 

Please reach out to one of out attorneys for more information on how we can help your case.