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Naples Personal Injury Lawyer > Blog > Car Accident > Eight Reasons Insurers Use For Denying Naples Car Accident Claims

Eight Reasons Insurers Use For Denying Naples Car Accident Claims


Car accidents in Naples are unfortunately common. According to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), over 5,000 crashes and collisions happen in Collier County each year, causing potentially devastating personal injuries. It is important to know how to protect yourself when facing this type of difficult situation. Insurance is often available that can help cover your costs. Our Naples car accident lawyer shares six common reasons insurers deny claims.

  1. You did not report the accident to the police.

Under the Florida Statutes, drivers must report any car accident resulting in property damages or personal injuries. Failure to do so could result in criminal charges.

Notify the police immediately and make sure they fill out an accident report. Get contact information for other drivers and witnesses at the scene, and if possible, take photos or videos with your cellphone.

  1. You gave statements at the accident site admitting liability. 

You must provide information about yourself and your vehicle to officers at the scene. However, avoid saying too much. Specifically, avoid admitting any liability for the crash or speculating on the causes. These statements can be used by insurers to deny your claim.

  1. You did not seek immediate medical care.

Seek medical care right away, regardless of the severity of your injuries and any symptoms you suffer. Many potentially dangerous conditions, such as head and spinal cord injuries, have symptoms that take hours or even days to fully appear. Not getting prompt medical care can jeopardize your health and your rights in a Naples car accident claim.

  1. You failed to follow the doctor’s instructions. 

Be sure and follow all treatment recommendations provided by your doctor and undergo any recommended testing. While work and activity restrictions can be costly and inconvenient, it is important to adhere to these as well.

  1. You did not notify your insurer.

Notify your insurer as soon as possible about your crash. Not doing so is a common reason for denied claims. However, avoid making any statements or signing any documents without consulting with our Naples car accident lawyer first.

  1. The insurer is claiming you are partially liable.

Insurers will use statements you make to investigators, your social media posts, and any other information they can obtain to claim you were partially at fault and deny your compensation. Fortunately, Florida follows the legal theory of contributory fault. Even if you are partially liable, you may still be entitled to compensation.

Contact Our Naples Car Accident Lawyer Right Away

Insurers find all kinds of reasons to deny Naples car accident claims. To protect yourself and your rights, get the professional legal representation you need at Cardinal Law, P.A. Our experienced Naples car accident lawyer negotiates on your behalf and is prepared to file a car accident lawsuit in Collier County to get you the maximum compensation. Call or contact our office online and request a consultation today.

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