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What to Do When Your Insurer Denies Your Car Accident Claim

by

Woman getting an insurance claim denied in Florida

Even though you’ve faithfully paid your insurance premiums, it doesn’t always mean that your insurer will pay out claims when you need them. In many cases, no-fault insurance policies don’t cover nearly as much as accident victims need to handle medical expenses, lost wages, etc. 

That’s especially true for individuals who have their no-fault insurance claims denied. 

Although Florida no-fault insurance laws require insurers to make expeditious payments for claims (no matter whose fault the accident is), it doesn’t always work that way. Insurance companies are notorious for issuing a denial of claim letters and making lowball offers. 

With that in mind, if you’ve received a claim denial letter or a subpar offer, it’s in your best interest to consult a Florida car accident lawyer as soon as possible. Our attorneys at Schrier Law Group have helped countless people recover maximum compensation. 

We’re confident that we can obtain the best possible outcome for you as well. Contact us today for your free initial case evaluation

Continue reading to learn more about what to do when your insurer denies your car accident claim in Florida. 

Understanding No-Fault Insurance in Florida

Every driver in Florida must carry no-fault PIP insurance coverage of at least $10,000. Generally, PIP insurance pays insurance claims (up to the amount covered) regardless of who’s at fault in an accident. 

In most cases, PIP insurance covers up to 80% of the reasonably necessary medical care for driver accident injuries. Further, it can also reimburse you for up to 60% of lost wages. 

If you suffer from severe injuries in the accident, you can also pursue a personal injury claim (to cover damages above PIP insurance coverage) against the at-fault driver. Potentially recoverable damages can include: 

  • Medical expenses
  • Cost of rehabilitation
  • Lost income 
  • Pain and suffering 
  • Property damages 

However, if the injuries you sustain don’t reach the PIP insurance threshold, you are typically limited to personal injury protection benefits. 

Reasons You May See a Denial for Your Personal Injury Protection Claim 

Unfortunately, insurance companies are not in the business of helping people recover from devastating injuries. Like most companies, their interests lie with the bottom line. 

That means that they can and will deny your claim for a multitude of reasons, including but not limited to: 

  • Neglecting to seek adequate medical care within two weeks of the accident 
  • Receiving medical care deemed unnecessary for the injuries sustained by the collision
  • Injuries unrelated to the collision 
  • Driving while under the influence 
  • An injury resulting from or exacerbated by pre-existing conditions 
  • You intentionally caused the crash, or the car was stolen
  • You were committing a felony offense at the time of the accident 
  • Your Personal injury Protection policy doesn’t cover the collision or injuries 

Although insurers have the right to deny claims, you shouldn’t always take PIP insurance claim denials at face value. Your auto accident lawyer can help you file an insurance claim denials appeal in many cases. Learn more below. 

How to Appeal PIP Claim Denials 

If you receive a PIP claim denial letter, it will include instructions for submitting an appeal. However, it’s important to note that you are usually required to submit your appeal within a specific time. Otherwise, it will not be effective. 

In many cases, insurers use bad faith practices to underpay or outright deny otherwise viable claims. Sometimes, the insurer just needs additional information. However, if you receive a denial from your appeal, it may be time to consult an auto accident lawyer.

Working with an experienced auto accident lawyer in Florida can drastically increase your odds of recovering maximum compensation for your damages. Depending on the circumstances of your case, your auto accident lawyer may be able to recover compensation for losses incurred due to the wrongful denial of your claim. 

Contact a Florida Auto Accident Lawyer Today

Suppose you had injuries from a car accident, but your insurance company refuses to pay PIP benefits. In that case, a proven auto accident lawyer can help you assert your rights, negotiate with your insurer, and take your case to trial if necessary

Further, if your damages exceed your PIP allowances, an attorney can also help you file a personal injury claim against the at-fault party. You don’t have to accept your insurer’s excuses for not compensating you for your injuries.

Instead, work with an attorney who will aggressively fight on your behalf for maximum compensation.  Contact a top-rated auto accident attorney today at Schrier Law Group for your free initial consultation. 

Read Our Reviews

Schrier Law Group is rated 5 out of 5.0 stars based on 22 review(s).

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My name is David and I’ve been represented by mr. Schrier law firm twice in my life and I got nothing more then good things to say about them they are very professional and they really Take their clients I really recommend them every time I called them they were always there for me especially the attorney he’s very professional and he got me the money did I deserve by representing me and fighting for me I will use their services again them no questions asked if I ever need them to me they are the best God bless them all

David Cuello

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The firm is super professional and handled my husbands vas amazingly. I should refer them to some in need of an attitude.

Isabel Sabrina De Ramirez

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The Schrier Law Group are hands down the best and should be your go to for all your legal troubles. They are such professionals; efficient, persistent and don’t take no for an answer. Thank you so much Chatriece, Geissie, Paul & everyone at Schrier Law Group for your patience and making my win possible!

Marika Ford

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Shrier Law Group extremely thorough. A really caring Law Firm. My previous lawyer sat on my case for 2 years did nothing with it by chance came across Mr Paul schreier firm and explaining my case he noticed I was not hopeful but he was able to encoirage me and was able to resolve my case within a year I'm so grateful for Mr Paul Schrier and Mrs Chatrice. They go above and beyond. 20⭐

West Jean

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I must say that Mr. Schrier was there when we needed immediate advice after my wife got rear-ended by an unlicensed speeding lunatic. We called a handful of attorneys in our area, but after waiting 2- 5 days they would drop her case. We found Mr Schrier online and he explained the pros/cons and he took the case. We waited patiently, and in time he was able to tracked down the actual owners of the car and get their auto insurance info!

Gerard Avalos

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The firm pays close attention to locating every possible insurer liable for my injuries. They return my calls in 24-48 hours. Friendly staff who care.

Mr K

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Attention to detail with the different insurance coverages. Returned my phone calls, which is very important.

David Kuczenski

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This is one of the best law office in Miami come in and check them out great people

Rowdy Martinez

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Best attorney in South Florida

Fefe Alex

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Was a wonderful experience getting through a tough process!

Edward Pawley

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Both my wife and I feel grateful for the treatment and the professionalism of the staff. Maritza is great doing her job. It is the second time that I request your services and we are pleased and grateful. Many blessings to this Law Firm

Reynier Perez

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Awesome wonderful patient Intelligent thoughtful Paul is the best

Theresa Caprice Caprioli

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Thank you so much for going above and beyond what I had ever anticipated. It was truly a pleasure to work with you all, especially Chatrice. I will most definitely refer The Schrier Law Group to my family and friends.

Cat Breen

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The Schrier LG is an excellent firm! They accepted my case, provided me with all the procedural information, maintained a high level of professionalism while showing kindness and care. The doctor's office that they suggested is another group of kind and considerate individuals, dedicated to my full recovery. I would recommend the Schrier Group to friends, just as they were recommended to me. I am happy with my settlement and very pleased with the attention and diligence of the group as a whole. Thank you again!

Michaela Davis

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Mr. Paul Schrier is by far the best attorney for the job! He is very responsive, knowledgeable, and very efficient. Despite my very busy schedule, he kept me informed throughout the process. I am very please with the outcome of my case. The customer service I received from the entire team has been amazing! Thank you all so much!

Ms. Jean

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Not only did I get a phenomenal attorney to represent me in my case, but I also got a step by step education on how the legal process actually worked. I was encouraged to ask questions and be an informed client. I was never treated like a case. I truly felt like the advice and recommendations he gave to me would have been the same he would have pursued if he were the client. That was important to me. I needed to work with an attorney I could trust with my best interest in mind...and that is what I got with Paul Schrier.

Juan Rodriquez

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I was involved in an auto accident in January 2016. We decided to contact Paul K. Schrier, PLLC for legal advice. He never got annoyed with me calling to ask questions, which was quite often. We have finally reached the final stages of this case, which they handled very well, and have come to a settlement. I highly recommend the Florida personal injury attorneys at The Law Offices of Paul K. Schrier, PLLC, especially Paul K. Schrier to any one who needs a personal injury attorney. Thank you very much Paul for everything you have done do me.

Martin Tyler

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I called to ask some question about a car accident I was in. I spoke to Paul who was very helpful, honest and professional. It seems that he really care about clients. I appreciate all that Paul did and would certainly recommend to anyone who needs an attorney.

Mark Anderson

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Best attorney around , I went through a lot of different ones before finding his law firm very professional and they make sure you get paid what you deserve, highly recommend.

Braulio Duran

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Thank Paul for everything your personal injury law firm has done for my case as well as my daughter. Thanks for all the hard work and attention. Thanks again!

Maria Jaz

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Schrier Law Group is the best.

Chatrice Telfort

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Great job! I loved working with Paul.

Paige