What to Do if the Insurance Company Denies Your Personal Injury Claim
You did everything right. Reported the accident. Got medical care. Filed the paperwork. But then the letter comes in: claim denied. Now what?
As a Florida car accident attorney, I’ve seen it happen more than you’d think. Insurance companies are businesses, and one of their favorite tactics is denying valid claims—especially when they think you won’t fight back. But here’s the good news: a denial isn’t the end. It’s just a step in the process.
Understand Why Your Claim Was Denied
Common Reasons for Denial
Before reacting, you need to know what caused the denial. Was it a missing document? A dispute about who was at fault? Or maybe they claim your injuries aren’t related to the accident?
Insurance companies often say there’s a “lack of evidence” or claim that your injuries were pre-existing (we covered that in another article). That’s why having a car accident attorney early on can help avoid mistakes that give insurers an excuse to reject your claim.
Appeal the Denial with Legal Help
You have the right to challenge the denial. This usually involves submitting an appeal letter, supporting documents, medical records, or even getting additional opinions from specialists. A skilled car accident attorney knows how to present this information in a way that forces the insurance company to take your claim seriously.
In many cases, a denial is just a test. Insurance carriers are banking on the idea that you’ll walk away quietly. But with proper legal guidance, you can push back—and many times, these appeals lead to fair settlements or even higher compensation.
When to File a Lawsuit
If the appeal doesn’t work, your next option may be to file a lawsuit. This doesn’t always mean going to court, but it does show the insurance company you’re not bluffing. Often, this is when they’re suddenly open to negotiating again.
Talk to a Car Accident Attorney You Can Trust
If your personal injury claim has been denied, don’t panic—and don’t give up. Speak with Attorney Kevin Sullivan, an experienced car accident attorney who understands how Florida insurance companies operate.
Call (813) 598-4868 to discuss your case and find out what your next move should be. A denied claim isn’t the end—it’s just the beginning of the fight.
This post was written by a professional at Kevin L. Sullivan II. Attorney Kevin L. Sullivan II is your car accident lawyer belleair shore fl and the best personal injury attorney near you for LeavenLaw. Kevin is proud to serve Florida accident victims that have been injured in auto accidents, motorcycle accident, slip and falls or have suffered any other type of injury caused by negligence. Kevin offers a FREE no-obligation consultation to discuss your claim. There are NO upfront fees or costs and if he does not collect for you, you do not owe him anything.
