What to Do When the At-Fault Driver’s Insurance Won’t Pay Your Claim
Being involved in a car accident is stressful, but dealing with the added complication of a denied insurance claim can make the situation even more challenging. If you’ve been in an accident where another driver was clearly at fault, you expect their insurance company to cover your damages. However, insurance companies sometimes deny claims or delay payments, leaving you frustrated and unsure of what to do next.
Understand Florida’s No-Fault Insurance Laws
Before diving into what to do when an at-fault driver’s insurance won’t pay, it’s important to understand Florida’s no-fault insurance laws. Florida requires all drivers to carry Personal Injury Protection (PIP) insurance, which covers medical expenses and lost wages up to $10,000, regardless of who caused the accident. However, if your damages exceed your PIP coverage or you have suffered a serious injury, you can file a claim against the at-fault driver’s insurance. This is where things can become complicated. You could incur significant out-of-pocket expenses if the at-fault driver’s insurance denies your claim. Williams Law, P.A. auto accident lawyers can help you understand your options and pursue additional compensation beyond what PIP provides.
Five Reasons Why an At-Fault Driver’s Insurance Company Can Deny Your Claim?
Insurance companies are for-profit businesses that often prioritize their financial interests over your needs. Here are some common reasons why an insurance company might refuse to pay your claim:
- Disputed Liability: The insurance company may argue that their policyholder was not entirely at fault for the accident. They might claim that you were partially or even fully responsible, which could lead to a denial or a reduced payout.
- Policy Exclusions: The at-fault driver’s insurance policy might have specific exclusions that the insurer claims apply to your situation. For example, the policy might not cover certain accidents or damages.
- Lapsed or Insufficient Coverage: If the at-fault driver’s insurance policy was inactive during the accident, or their coverage limits are too low to cover your damages, the insurance company may deny your claim.
- Failure to Report in Time: Insurance policies often have strict deadlines for reporting accidents. The insurer might deny the claim if the accident wasn’t reported to the insurer within the required timeframe.
- Insufficient Evidence: The insurance company might argue that there isn’t enough evidence to support your claim. This could include a lack of medical records, police reports, or witness statements.
Gather and Review the Evidence
Strengthening your claim with additional evidence can be crucial to dispute the denial. Gather as much evidence as possible, including:
- Accident Reports: Obtain a copy of the police report. The report often includes important details about the accident, such as the parties involved, statements from witnesses, and the officer’s assessment of fault.
- Photographs and Videos: Photos or videos taken at the accident scene can provide visual evidence of vehicle damage, road conditions, and any contributing factors to the accident.
- Medical Records: Keep detailed records of all medical treatments, diagnoses, and expenses related to injuries sustained in the accident. These documents help establish the severity of your injuries and the necessity of medical care.
- Witness Statements: If there were witnesses to the accident, their statements could provide valuable corroboration of your account of the events.
- Repair Estimates: Obtain estimates or receipts for vehicle repairs to demonstrate the financial impact of the accident.
Review all the gathered evidence carefully and identify any gaps needing additional information or clarification.
Why Hire Williams Law, P.A. Personal Injury Lawyers?
At Williams Law, P.A., we understand the frustration and anxiety of dealing with an uncooperative insurance company. Our team of experienced accident lawyers is dedicated to helping you fight for the compensation you deserve. Here’s why you should consider hiring us:
- Experience in Personal Injury Law: We specialize in personal injury and car accident claims, bringing knowledge and experience to every case. We understand insurance companies’ tactics to avoid paying claims and know how to counter them effectively.
- Personalized Attention: At Williams Law, P.A., we believe in providing personalized legal services. We take the time to understand your unique situation and tailor our approach to meet your specific needs. You are not just another case number to us; you are a person who deserves justice.
- Aggressive Advocacy: We are committed to fighting for your rights. Our lawyers are skilled negotiators and, when necessary, fearless litigators. We won’t back down from taking your case to court if that’s what it takes to get you the compensation you deserve.
- No Upfront Fees: We work on a contingency fee basis, meaning you don’t pay us unless we win your case. This allows you to pursue justice without worrying about upfront legal costs.
- Proven Track Record: We have a proven track record of securing favorable client settlements and verdicts. Our success is built on our dedication to achieving the best possible outcomes for those we represent.
More Personal Injury Resources from Williams Law, P.A:
9 Steps You Must Take After an Auto Accident
Williams Law, P.A. Florida Personal Injury Law Firm
Dealing With Geico After a Personal Injury Claim in Florida
Conclusion: Don’t Settle for Less
Dealing with an uncooperative insurance company can be frustrating, especially when recovering from an accident and facing mounting medical bills. If the at-fault driver’s insurance company refuses to pay your claim, it’s important to consider all your options for recovering compensation.
If you struggle to get the insurance company to pay your claim, contact Williams Law, P.A. for a free consultation. Our experienced Florida car accident attorneys will review your case, help you gather evidence, negotiate with the insurance company, and, if necessary, file a lawsuit to ensure you receive the compensation you deserve. Call us at 1-800-451-6786 or fill out our online contact form.