{"id":2692,"date":"2026-10-28T17:44:58","date_gmt":"2026-10-28T21:44:58","guid":{"rendered":"https:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/"},"modified":"2026-10-28T17:44:58","modified_gmt":"2026-10-28T21:44:58","slug":"insurance-claim-denied-after-car-accident-florida","status":"publish","type":"post","link":"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/","title":{"rendered":"What to Do if Your Insurance Claim Is Denied After a Car Accident in Florida"},"content":{"rendered":"<style>body.single .block-fact{display:none!important}<\/style>\n<p><strong>Short answer:<\/strong> A denial is often not the final word. Ask the insurer for the reason in writing, get a copy of your policy, and compare the stated reason with the facts and the policy language. Many denials come from missing records, a missed deadline, a disputed account of fault, or a medical dispute that can be answered. Florida law also gives specific tools, such as a PIP pre-suit demand letter and a civil remedy notice for bad faith, and lawsuit deadlines keep running while you argue.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#Key_takeaways\" >Key takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#First_identify_who_denied_the_claim\" >First, identify who denied the claim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#Common_reasons_Florida_car_accident_claims_are_denied\" >Common reasons Florida car accident claims are denied<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#Step-by-step_what_to_do_after_a_denial\" >Step-by-step: what to do after a denial<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#Florida_tools_that_apply_to_denials\" >Florida tools that apply to denials<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#PIP_pre-suit_demand_letter\" >PIP pre-suit demand letter<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#Civil_remedy_notice_for_bad_faith\" >Civil remedy notice for bad faith<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#State_consumer_help\" >State consumer help<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#Deadlines_keep_running\" >Deadlines keep running<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#When_fault_is_the_reason_for_the_denial\" >When fault is the reason for the denial<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#When_to_involve_a_lawyer\" >When to involve a lawyer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#Frequently_asked_questions\" >Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#Can_I_appeal_a_car_insurance_claim_denial_in_Florida\" >Can I appeal a car insurance claim denial in Florida?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#Why_would_my_own_PIP_insurer_deny_my_claim\" >Why would my own PIP insurer deny my claim?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#How_long_do_I_have_to_sue_after_a_denied_claim\" >How long do I have to sue after a denied claim?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#Is_a_denied_claim_the_same_as_bad_faith\" >Is a denied claim the same as bad faith?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#Should_I_give_a_recorded_statement_to_the_other_drivers_insurer\" >Should I give a recorded statement to the other driver\u2019s insurer?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#Talk_with_Fiol_Morros\" >Talk with Fiol &amp; Morros<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"http:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#Sources\" >Sources<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Key_takeaways\"><\/span>Key takeaways<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Find out which insurer denied the claim: your PIP carrier, the at-fault driver\u2019s carrier, or your uninsured motorist carrier.<\/li>\n<li>Request the denial reason and the policy in writing.<\/li>\n<li>PIP disputes generally require a written pre-suit demand letter, and the insurer has 30 days to respond.<\/li>\n<li>Most Florida negligence lawsuits from crashes after March 24, 2023 must be filed within two years.<\/li>\n<li>If you are found more than 50% at fault, Florida law generally bars recovery from the other driver.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"First_identify_who_denied_the_claim\"><\/span>First, identify who denied the claim<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The next step depends on which policy is involved:<\/p>\n<ul>\n<li><strong>Your own PIP carrier<\/strong> pays part of medical bills and lost income regardless of fault. PIP denials are often about the 14-day treatment rule, an independent medical exam, or whether treatment was reasonable and related.<\/li>\n<li><strong>The at-fault driver\u2019s liability carrier<\/strong> owes you nothing directly under its contract. It may deny because it disputes fault, says its driver had no coverage that applies, or argues your injuries are not serious enough.<\/li>\n<li><strong>Your uninsured\/underinsured motorist (UM) carrier<\/strong> may be involved when the other driver had no or too little insurance. A UM denial is a dispute with your own insurer under your policy.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Common_reasons_Florida_car_accident_claims_are_denied\"><\/span>Common reasons Florida car accident claims are denied<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Late notice or no treatment within 14 days (for PIP).<\/li>\n<li>Missing or skipping a requested examination under oath or independent medical exam.<\/li>\n<li>The insurer says another driver, or you, caused the crash.<\/li>\n<li>A lapse in coverage, an excluded driver, or a vehicle not listed on the policy.<\/li>\n<li>Gaps in treatment, or a claim that the injury was pre-existing.<\/li>\n<li>Inconsistent statements, such as a recorded statement that conflicts with the police report.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Step-by-step_what_to_do_after_a_denial\"><\/span>Step-by-step: what to do after a denial<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><strong>Get the denial in writing.<\/strong> Ask for the specific policy language the insurer relies on.<\/li>\n<li><strong>Request a certified copy of the policy<\/strong> and the declarations page.<\/li>\n<li><strong>Collect the evidence the insurer says is missing:<\/strong> the crash report, photos, witness information, medical records and bills, and proof of lost income.<\/li>\n<li><strong>Write down every call:<\/strong> date, name, and what was said. Move important requests to email or letters.<\/li>\n<li><strong>Be careful with recorded statements<\/strong> to the other driver\u2019s insurer. You are generally not required to give one.<\/li>\n<li><strong>Calendar the deadlines<\/strong> before negotiating further.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Florida_tools_that_apply_to_denials\"><\/span>Florida tools that apply to denials<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"PIP_pre-suit_demand_letter\"><\/span>PIP pre-suit demand letter<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Before suing over overdue PIP benefits, Florida Statutes \u00a7 627.736(10) generally requires a written demand letter that identifies the claim and the amounts. The insurer then has 30 days to pay, with the applicable interest and penalty, before suit can be filed. A defective demand letter can delay the case, so the details matter.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Civil_remedy_notice_for_bad_faith\"><\/span>Civil remedy notice for bad faith<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Under \u00a7 624.155, a person may file a civil remedy notice with the Florida Department of Financial Services describing an insurer\u2019s alleged violation. The insurer generally has 60 days to cure it. Bad faith claims have strict requirements and are not available every time a claim is denied, but the notice process can matter when an insurer fails to settle a clear claim within its limits.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"State_consumer_help\"><\/span>State consumer help<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The Florida Department of Financial Services runs a consumer help line that can take complaints about insurance companies. A complaint does not replace a lawsuit or stop a deadline, but it creates a record.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Deadlines_keep_running\"><\/span>Deadlines keep running<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>For most negligence claims arising after March 24, 2023, Florida\u2019s statute of limitations is two years under \u00a7 95.11. Claims based on an insurance contract, like a PIP or UM dispute, can have different time limits. Negotiation with an adjuster does not pause these deadlines. Missing one can end a valid claim.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"When_fault_is_the_reason_for_the_denial\"><\/span>When fault is the reason for the denial<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Florida uses modified comparative fault under \u00a7 768.81. Your compensation is reduced by your share of fault, and if you are more than 50% responsible you generally cannot recover from the other driver. Insurers sometimes deny by pinning most of the blame on the injured person. Evidence such as traffic camera footage, vehicle data, witness statements and crash reconstruction can change that picture. Our article on <a href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/how-to-get-the-maximum-settlement-after-a-florida-car-accident\/\">how settlements are built after a Florida crash<\/a> explains how that evidence is used.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"When_to_involve_a_lawyer\"><\/span>When to involve a lawyer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Consider legal help if the injury is serious, the insurer says you were mostly at fault, the other driver had little or no insurance, or the denial cites policy language you do not understand. A <a href=\"https:\/\/www.fiolinjurylaw.com\/en\/tampa-car-accident-lawyer\/\">Tampa car accident lawyer<\/a> can request the claim file, handle the demand letters and track the deadlines.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_appeal_a_car_insurance_claim_denial_in_Florida\"><\/span>Can I appeal a car insurance claim denial in Florida?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>There is usually no formal appeal like a health plan. You respond with evidence, use Florida\u2019s required notices such as the PIP demand letter or civil remedy notice when they apply, and file suit before the deadline if needed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_would_my_own_PIP_insurer_deny_my_claim\"><\/span>Why would my own PIP insurer deny my claim?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Common reasons include no treatment within 14 days, missing an independent medical exam, a coverage lapse, or a dispute about whether treatment was reasonable and related to the crash.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_long_do_I_have_to_sue_after_a_denied_claim\"><\/span>How long do I have to sue after a denied claim?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>For most Florida negligence claims from crashes after March 24, 2023, the limit is two years. Insurance contract disputes may have different limits. Check the dates early.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_a_denied_claim_the_same_as_bad_faith\"><\/span>Is a denied claim the same as bad faith?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No. An insurer can deny a claim without acting in bad faith. Bad faith has specific legal requirements, and Florida generally requires a civil remedy notice and a 60-day cure period first.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_give_a_recorded_statement_to_the_other_drivers_insurer\"><\/span>Should I give a recorded statement to the other driver\u2019s insurer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You are generally not required to. Statements can be used to dispute fault or injuries, so it is wise to get advice first.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Talk_with_Fiol_Morros\"><\/span>Talk with Fiol &amp; Morros<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If an insurer denied your claim or is not responding, we can review the denial and your policy. Call Fiol &amp; Morros Law Group at <a href=\"tel:+18132236773\">(813) 223-6773<\/a> or use the <a href=\"https:\/\/www.fiolinjurylaw.com\/en\/contact-us\/\">contact page<\/a> for a free consultation. The office is at 1515 N Marion St, Tampa, FL 33602.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sources\"><\/span>Sources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><a href=\"https:\/\/www.flsenate.gov\/Laws\/Statutes\/2024\/627.736\">Florida Statutes \u00a7 627.736 (PIP benefits)<\/a><\/li>\n<li><a href=\"https:\/\/www.flsenate.gov\/Laws\/Statutes\/2024\/624.155\">Florida Statutes \u00a7 624.155 (civil remedy against insurers)<\/a><\/li>\n<li><a href=\"https:\/\/www.flsenate.gov\/Laws\/Statutes\/2024\/95.11\">Florida Statutes \u00a7 95.11 (limitations periods)<\/a><\/li>\n<li><a href=\"https:\/\/www.flsenate.gov\/Laws\/Statutes\/2024\/768.81\">Florida Statutes \u00a7 768.81 (comparative fault)<\/a><\/li>\n<li><a href=\"https:\/\/www.myfloridacfo.com\/division\/consumers\">Florida Department of Financial Services: Consumer help line<\/a><\/li>\n<\/ul>\n<p><em>This article is general educational information, not legal advice. Insurance policies and case facts differ, and no outcome is guaranteed. Reading it does not create an attorney-client relationship.<\/em><\/p>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"@id\": \"https:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/#faq\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Can I appeal a car insurance claim denial in Florida?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"There is usually no formal appeal like a health plan. 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Check the dates early.\"}}, {\"@type\": \"Question\", \"name\": \"Is a denied claim the same as bad faith?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No. An insurer can deny a claim without acting in bad faith. Bad faith has specific legal requirements, and Florida generally requires a civil remedy notice and a 60-day cure period first.\"}}, {\"@type\": \"Question\", \"name\": \"Should I give a recorded statement to the other driver\u2019s insurer?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"You are generally not required to. Statements can be used to dispute fault or injuries, so it is wise to get advice first.\"}}]}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Short answer: A denial is often not the final word. Ask the insurer for the reason in writing, get a copy of your policy, and compare the stated reason with the facts and the policy language. Many denials come from missing records, a missed deadline, a disputed account of fault, or a medical dispute that [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[36],"tags":[],"class_list":["post-2692","post","type-post","status-publish","format-standard","hentry","category-car-accidents"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Car Accident Insurance Claim Denied in Florida? What to Do | Fiol &amp; Morros<\/title>\n<meta name=\"description\" content=\"A denial is not always final. Learn why Florida car accident claims get denied, how to get the reason in writing, PIP demand letters, deadlines and bad-faith rules.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/insurance-claim-denied-after-car-accident-florida\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Accident Insurance Claim Denied in Florida? What to Do | Fiol &amp; Morros\" \/>\n<meta property=\"og:description\" content=\"A denial is not always final. 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