A car crash used to mean you could expect to be covered by your insurance. That is changing fast. A car insurance claim denial is more common now. It can hit you right when you need help most. A new study found that insurers paid nothing on 45% of claims last year. That is up from 35% a decade back, per Yahoo Finance. If you get hurt in a wreck, do not assume a check will just show up.
Why a Car Insurance Claim Denial Is on the Rise
Insurers want to save cash. So they hunt for ways to say no. Many now use fast computer tools to flag your file. One study found that 88% of car insurers use these tools now, or will soon, per NAIC data. A computer can turn down your file in minutes. No person may even read it first.
Florida adds more risk to the mix. About one in five drivers here has no coverage at all. Close to 40% carry too little coverage for a bad wreck. That is per the Insurance Information Institute. State law sets a low bar too. Drivers need just $10,000 for injury costs and $10,000 for damage costs. That may not cover your bills at all. A car insurance claim denial can leave you stuck with the rest.
Common Reasons Insurers Say No
Adjusters look for any way to close your file cheap. Here are the top reasons they use:
- Your policy had lapsed at the time of the crash
- You waited too long to report it or see a doctor
- The two sides do not agree on who caused it
- A rule in your policy blocks your claim
- The insurer says your pain does not match the crash
Florida law says you must see a doctor within 14 days. Miss that, and you can lose your right to injury pay. Adjusters also check your file for gaps in care. Then they use those gaps to say your pain is not real. None of this means your case is weak. It just means the insurer wants to test you first.
How an Orlando Car Accident Attorney Can Help
Real help changes things fast. Orlando car accident attorneys know the tricks. They see them every day. They build a strong file that can stop a car insurance claim denial in its tracks. A good attorney will act fast to:
- Get the police report, medical notes, and repair bids
- Send the insurer a notice that locks in your rights
- Push back on any denial with facts and firm deadlines
- File a suit if the offer stays too low
Orlando car accident attorneys can also step in when your own insurer says no on a claim tied to a driver with no coverage. That risk runs high here, since so many Florida drivers skip insurance. A look at Florida crash data shows how often bad wrecks turn into long fights with an insurer. A firm that works personal injury cases each day knows how to push a stuck claim ahead. When a crash ends in death, the same tricks can hit a wrongful death claim, so fast legal help matters even more. Our car accident practice page lists the full range of crash cases we take on.
If you face car insurance claim denial, do not wait. Stop by one of our office locations near you to sit down with a lawyer and go through your case.
Call 407-846-2240 for a free consultation with an Orlando car accident attorney at the Martinez Manglardi personal injury law firm. Convenient locations throughout Central Florida, including Orlando, Kissimmee, Apopka, Palm Bay, Ocala, Haines City, and Davenport.
