A denial notice from your insurance company after an auto accident is never welcome, especially as you’re trying to manage other post-crash stressors. But, rest assured: if an insurance company denies your claim, there are other steps you can take to receive compensation.
What Causes Insurance Claim Denials in Florida?
First off, it’s important to remember that insurance companies are for-profit entities. To make as much money as possible, insurers aim to deny claims whenever possible or pay less than the full claim amount. So, while some claims are denied for legitimate reasons, others are denied or minimized due to formalities, loopholes, or even mistakes in the police report.
Possible reasons for insurance claim denials after an auto accident include:
- The insurance policy was in default at the time of the crash.
- Your injuries worsened after the initial medical exam.
- Your statement differed from other evidence.
- You were deemed to be “at fault” in the accident.
- You didn’t file the claim or seek medical care quickly enough after the crash.
- The claimed losses exceeded the policy limit.
What to Do After Receiving an Insurance Denial Notice
If your insurance claim is denied, start by checking if your policy allows you to appeal or contest the denial. This is usually allowed, particularly if you have additional evidence that wasn’t submitted with the initial claim. If the appeal isn’t successful, you may need to file a legal case against the insurance company to obtain your rightful compensation.
While this may sound daunting, we have good news: You don’t have to go through it alone. After receiving the denial notice, contact an experienced auto accident attorney right away. An attorney, like a member of the team at Weldon & Rothman, PL, can communicate directly with the insurance company to secure compensation for your losses.
Schedule a free case review with our auto accident attorneys today!