When Your Insurance Provider Denies Your Auto Accident Claim

When a Florida driver selects an auto insurance policy and provider, they are likely confident that their chosen provider has their back in the event of an accident. This means that if they get into an accident, they believe that they can call their insurance provider, tell them the details, provide more information if needed, and get enough compensation to cover their medical costs, damaged vehicle, and lost work wages.

What many Florida drivers don’t realize is that insurance companies are companies first, and this means they are always looking after their bottom line as a priority. In an ideal world to an insurance provider, they will insure a driver who is never in an accident and get to keep those insurance premiums as profit at the end of the day. When drivers find themselves in an accident, insurance providers will often try to minimize settlements and payouts to ensure that they lose as little profit as possible.

In some instances, the needed compensation amount may be lowered to a significantly lesser number, and in other instances, an insurance provider may try to deny your claim altogether. When a claim is denied, a driver who has recently been in an accident may be left feeling lost, confused, and unsure of where to go next to get the coverage they require to get back on the road.

Why Has My Claim Been Denied?

When an insurance provider lowballs a client on their claim, it will typically go through the negotiations process to meet at a middle ground. The driver may also be provided with an opportunity to prove why they need the entire amount. The negotiations process is often between an insurance company, a personal injury attorney skilled in Florida auto accident law, and the client that attorney represents.

However, what if you have been denied? If the reason for denial is unfounded, your personal injury attorney will fight for you to prove the legitimacy of your claim. However, you may delegitimize your claim without realizing it. A few reasons why your claim could be rightfully denied are the following:

• The Amount Exceeds Your Policy Limits – Every insurance policy has policy limits. If you are asking for a $20,000 settlement but your policy only covers $10,000, your claim for the entire amount will be denied. In situations such as this, Florida law allows parties who have been in an accident to pursue a lawsuit against the negligent party for the rest of their compensation.

• Violation Of Florida Law – If you were found to be violating Florida state laws at the time of the accident, an insurance provider may have the right to deny your claim. Being without a valid license, driving under the influence, or driving recklessly could be cited as a reason to deny your auto accident claim as all those go against Florida driving laws.

• You Waited Too Long To Report Your Accident – If you have waited too long to report your accident, your auto insurer may decide to deny your claim. By waiting, the insurance provider could claim that your accident was suspiciously reported. That is why it is always important to report your accident and file your claim as quickly as possible.

The best way to ensure that your claim will not be denied is to drive in accordance with the law, report accidents immediately, and seek the counsel of a Florida personal injury attorney. If you are in need of a Florida car accident attorney to back your denied claim case, contact us at JusticePays.com today to see what we can do for you.

Video FAQ:


Client Testimonials

Attorney David Goldman has been exceptional in the process of helping me through the case. He has always been easy to reach, whether by phone or email, and has thorough knowledge and explains clearly in depth so you feel safe and confident in your lawyer

I used Michael Babboni and his paralegal, Nicole Moore for a legal matter. They went above and beyond my expectations. During the entire process there was constant communication with both Michael and Nicole. They were extremely organized and on top of my case, which I am very grateful for. Michael truly had my best interests at heart and he was very genuine. I plan on referring Michael to all family and friends and will continue to use him in the future.

I dealt most with Mr. Fernandez. I didn’t know a lot about this process. He took the time to speak with me individually, in person, to explain everything. It was very helpful to actually know and understand the process and what to expect. He closed my case quickly, which was nice that it was not prolonged! I appreciated his hard work and getting me what I felt I deserved after my car accident. I highly recommend him to anyone who needs an honest and reliable lawyer to assist you with your case!

I hired Mr. Walsh after an automobile accident this past March. He and his entire staff were extremely professional. They kept me informed every step of the way and settled my case in a timely manner. Thank you so much for your help.

Get Your Free Case Review

Fill out my online form.

Law Offices Near You

Sarasota Office



3550 S Tamiami Trail, 3rd Floor Sarasota Florida 34239

Bradenton Office



5291 Office Park Blvd. Bradenton Florida 34203

St. Petersburg Office

St. Petersburg


6446 Central Avenue St. Petersburg Florida 33707

Venice Office



3986 S. Tamiami Trail Venice Florida 34293

Englewood Office



2960 S. McCall Rd Englewood Florida 34224

Port Charlotte Office

Port Charlotte


3986 Tamiami Trail Port Charlotte Florida 33952

Arcadia Office



10 South DeSoto Avenue Arcadia Florida 34266

Fort Myers Office

Fort Myers


8359 Beacon Blvd Fort Myers Florida 33907

Lakeland Office



5137 S. Lakeland Dr. Lakeland Florida 33813

Get personal attention from a lawyer with decades of experience.