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What are your options if your car accident claim is denied?

On Behalf of | Jun 12, 2023 | Personal Injury

The purpose of accident and injury insurance laws is to ensure those who suffer damages or losses in a crash are fairly compensated for their harm. Victims rely heavily on insurance claims to help them deal with the consequences (injuries, property damages, etc.) of an accident.

It can feel like a slap in the face to receive a denial instead of the financial award you may desperately need. You might believe a claim denial ends your chances of getting the compensation you deserve, but you may have options you have not considered.

Why was the claim denied?

Insurers sometimes have valid reasons to deny a claim. For example, the policy may have lapsed, or a deadline was missed.

However, insurance companies routinely deny claims for invalid or vague reasons. They may hope the filer will not press the matter after receiving an initial denial. Unfortunately, this tactic works, and many injured crash victims never obtain the restitution they are entitled to.

What should you do after a rejection?

You can fight back if an insurer unfairly denies your accident claim. Here are some steps to consider taking:

Send a demand letter with a detailed accounting of why you deserve compensation. Citing Florida insurance compensation laws in the demand letter could prompt the insurer to pay your claim.

If that fails, you may need to appeal the denial. In most cases, guidance from someone who understands Florida’s complex no-fault insurance laws can help with this process.

Unfortunately, appealing the matter may also fail. If this happens to you, consider finding out if a lawsuit will remedy the situation and help you get your compensation.