What Happens If Insurance Denies Your Bradenton Car Accident Claim?
Car accidents in Bradenton can happen to even the safest, most experienced drivers. Reckless and dangerous behavior by other motorists is often responsible. In the aftermath, you may have done everything right, in terms of reporting the crash, getting medical care, and filing a claim, only to be denied by the insurer.
Fortunately, it’s not the end of the road. Our experienced Bradenton car accident lawyer explains common reasons why insurers deny claims and what to do next to get the compensation you deserve.
Common Reasons Insurance Companies Deny Bradenton Car Accident Claims
Florida Highway Safety and Motor Vehicles (FLHSMV) requires all drivers to have valid auto insurance. Mandatory state minimums include Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage, which protect you and other motorists in the event of a Bradenton car accident.
However, to protect their profits, insurers try to limit payouts whenever possible. Some of the most common reasons for denied car accident claims in Manatee County include:
- Disputes over who is to blame for the crash.
- Delayed medical care and a lack of medical records detailing your injuries.
- Policy exclusions or coverage issues, including lapsed insurance or limited benefits.
- Missed deadlines or incomplete paperwork, which insurers use to justify denials.
Keep in mind that in Bradenton car accident claims, comparative fault applies. Under the Florida Statutes, if the insurer can prove you were even partly to blame, they can reduce or deny compensation.
Denied Bradenton Car Accident Claim? Take These Steps to Protect Your Rights
It is common for insurance companies to deny Bradenton car accident claims, but it can still come as a shock. These companies often count on victims to simply accept their findings, but you can appeal their decision. Take these steps to protect your rights:
- Review your denial letter, noting specific reasons for the insurer’s decision.
- Gather additional evidence, including medical records, photos, witness statements, and repair or replacement costs.
- Continue to get medical care, and ask your doctor to provide a statement detailing any long-term impacts you are likely to suffer.
- Avoid giving recorded statements to the insurer or signing any documents without first getting legal help.
Our experienced Bradenton car accident lawyer has a proven track record of getting claims approved. If the insurer continues to dispute liability or fails to pay the full amount needed to cover your losses, we can guide you in taking your case to court.
Request a Consultation With an Experienced Bradenton Car Accident Lawyer Today
When car accidents in Bradenton happen, victims often count on insurers to cover their losses. Unfortunately, denied claims are common, but you have the right to appeal.
At the Law Office of Steven G. Lavely, we help Manatee County car accident victims challenge denied claims. As a Board-Certified Trial Lawyer, we build a strong case, stand up to insurers, and won’t hesitate to take your case to court.
Don’t settle for less than what you need to recover. Call or contact our Bradenton car accident lawyer online today to schedule a consultation.
Sources:
flhsmv.gov/insurance/
leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0700-0799/0768/Sections/0768.81.html
manateeclerk.com/departments/county-civil/
