As a no-fault state, Florida requires personal injury protection (PIP) insurance coverage for all drivers. That means if you get in an accident, your insurance company will pay for expenses you incur due to the accident.
However, there are instances when the insurance company denies an auto accident claim. In such a case, you need to know what to do next. Do not give up easily. You can try to
Avoid Emotional Response
It is normal to get disappointed and angry after a denial of claim from the insurance company. However, you should not let your feelings affect your judgment. Do not respond to the company’s decision with rants or threats.
Insurance providers deny a lot of claims. That means they often receive angry calls or emails from clients. So, your anger will not help in reversing their decision.
Instead, you should take on legal steps to ensure that you get proper compensation. Take action and get legal help. An auto accident lawyer can help you.
Figure Out the Reason
To fight a claim denial, you have to understand why the insurance carrier decided not to approve your claim. Check the letter send by the company. It has to have an explanation behind the rationale of the denial.
If you cannot find an explanation, contact the claims department customer service of the insurer. Ask them to send you an outline of the denial, including the reasons.
Denial letters may have a lot of insurance jargon and legal phrases. To make sure that you understand the content well, consult with a lawyer.
Here are some of the common reasons for auto accident claims denial:
• Coverage problems on the end of the at-fault driver – This is a common reason, but may not apply to Florida as it is a no-fault state.
• Questionable liability – In Florida, insurers cannot really deny liability completely because it is a no-fault state. However, some companies use questionable liability as a tool to negotiate with and convince the injured victim to settle for a low payment.
• Questions injury or the severity of it – Insurers can deny claims if they find an injury or its severity to be questionable. This may happen when the company thinks the diagnosis seems to not be consistent with the impact of the accident or they deem the medical bills as excessive.
• Suspected fraud – Another common reason for claims denial is the company suspecting fraud.
The best thing to do if you receive a denial for your auto accident claim in Florida is to consult an experienced auto accident lawyer.
Your attorney will review your case and help you develop a strategy to get the right compensation that you need based on the severity of the damage and injury. They will give you advice and assist you when it comes to the legal aspect.
If you are looking for a reliable car accident lawyer in Florida, then consider Justice Pays. We also handle other types of cases, such as motorcycle accidents, slip and fall cases, and other personal injury cases. Contact us now to learn more.