In Florida, if you are injured in a car accident, you must seek compensation from your insurance company; nevertheless, insurers often undervalue or deny customer claims to avoid paying settlements. If you want to receive the full compensation you deserve for your car accident injuries, you must understand why insurers deny claims so you can avoid them. Here are the most common reasons why insurers dismiss injury claims resulting from car accidents:
Failure to Provide Prompt Medical Attention
Following an accident, obtain a thorough medical exam. Some injuries may not manifest for days or weeks, and adrenaline may conceal them. Obtaining prompt medical care is crucial for your health and safety, as well as for proving your injuries to your insurance provider. If you do not seek medical attention and subsequently submit a claim, your insurance company will not know if your injuries are real and may assume that they have not affected your life.
There Isn’t Enough Documentation
Lack of proof is another reason why insurers decline car accident injury claims. It’s not enough to simply see a doctor; you must be able to demonstrate to your insurance company that your claim is valid and that your injuries were caused directly by the accident. This means you’ll need complete medical records, including imaging test results and written prescriptions and diagnoses, as well as an accident police report, photographs of the site, eyewitness testimony (if feasible), emails to your manager at work, and anything else you can find as evidence. Your claim is more likely to be refused if there is little or no documentation supporting it.
Claim Was Submitted Too Late after the Accident
It is your responsibility to notify your insurance company that you have been hurt in an accident if you want to be compensated for your injuries. There are some things you should not say to them on the phone, and it is a good idea to consult with a Florida car accident attorney before calling them, but you should not wait days, weeks, or months. The insurance company may argue that they were not given a fair chance to examine the accident if you wait too long to register your claim. This may prevent you from receiving the justice that you are entitled to.
Claim Was Improperly or Incompletely Submitted
Filing a formal claim can be a difficult and complex procedure, especially if you’re still recovering from your injuries, in pain, or worried about missing work because of your injury. You may inadvertently submit inaccurate information or fail to recognize that you must file the claim in a specific manner in order to meet the company’s standards. Insurers sometimes refuse car accident injuries claims due to minor errors.
James Piccolino Law, P.A. can combine his unique medical knowledge from years of practicing chiropractic medicine with the legal knowledge to help you seek justice. Visit James Piccolino Law online to request a consultation.