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.