Call Now For A Free Consultation 24/7 (941) 954-1234

7 Reasons Why Insurance Companies Deny Personal Injury Claims


You’ve been involved in an accident, you report the accident to your insurance provider, and while recovering from those injuries you learn that the worst has happened – your insurance company has denied your personal injury claim. There are several reasons why insurance companies deny claims, and when you’ve been injured in an accident, this will require the assistance of an experienced Florida personal injury attorney in order to get the compensation you deserve. 7 reasons why insurance companies may deny personal injury claims are:

• You’ve missed a monthly premium – Most people believe that missing a monthly premium is something that in and of itself is difficult to miss. However, many people injured in Florida accidents learn quickly that this isn’t always the case. When switching insurance companies it can be easy to get confused as to when your current insurance coverage has ended and a new policy has begun. If the accident occurs during this lapse, your previous provider may deny your claim for no longer holding said policy, and your new provider may deny the claim due to new coverage not having started yet.

• The report wasn’t made on time – After experiencing an accident, it’s crucial to report it to insurance providers as quickly as possible. In some instances, if an injured party waits, the insurance provider may deny the claim on the basis that one waited too long before deciding to report. It’s important to always be aware of your policy and how much time you have to make a claim.

• You’re not an included driver – If you’re driving a car that doesn’t belong to you, you may not be covered under that vehicle’s insurance as an allowed driver. If you’re not a named driver on the policy, your insurance claim may be denied.

• You waited to seek medical attention – Whether you feel as though you’ve been injured or not, it’s always important to seek medical attention right away after an accident. Certain injuries, like soft tissue injuries or traumatic brain injuries, don’t always show symptoms straight away after an accident occurs, and particularly when adrenaline is still running high. You may find days, or even weeks, later you’re dealing with an injury, and waiting too long could have your insurance claim denied. Getting checked out straight away gives you your best chance at coverage.

• Disputed damages – Insurance companies may also decide to dispute damages, disagreeing with the damages you claim after an accident. To best avoid this, make sure to have all documentation and proof of all damages you plan to claim.

• Suspected fraud – If an insurance company suspects you’ve been untruthful about the accident, damages, or the severity of your injuries, they may decide to deny your claim. If you’ve been truthful and the insurance company still disputes the validity of your accident or injuries, a personal injury lawyer should be your first call.

• Suspected driving under the influence – If it has been found that you’ve been driving under the influence, even under the influence of completely legal and prescribed medications, or suspected that you were driving under the influence, an insurance company may deny your claim.

What To Do If Your Claim Is Denied

If your personal injury claim is denied after an accident, your next step should be contacting your Florida personal injury attorney. With their expertise in Florida personal injury law, they will know the proper steps and procedures to take in order to get you the compensation you deserve. To learn more about insurance claims and how to get compensation after an accident, contact us at GetMeJustice.com today.

Stephen M. Fernandez developed a strong belief in justice and fairness in public policy while earning his Political Science degree prior to attending law school. Since joining the Florida Bar Association in 2004, Stephen Fernandez has combined his background in public policy, business administration and civil law to serve as a highly effective trial lawyer fighting for Florida's injured, working hard every day to make sure his clients get what they are owed.

7 Reasons Why Insurance Companies Deny Personal Injury Claims

Goldman Babboni Fernandez
Murphy & Walsh




Attorney Case Review
Get The Justice
You Deserve

Free Attorney Consultation

Law offices
Near you

Serving All Of Southwest Florida