How to Appeal a Car Insurance Decision in Miami

Understanding Car Insurance Claim Denials

When your car insurance claim is denied in Miami, it can feel like a major setback, but it's important to remember that this decision is not final. You have the option to appeal, and with the right legal guidance from a Morgan & Morgan insurance dispute attorney in Miami, you can challenge the denial effectively.

Common Reasons for Denial

Insurance companies operate on a profit motive and will look for any reason to deny a claim. Common justifications include:

• Questionable Injuries: Claims that injuries were pre-existing or not related to the claimed accident.
• Disputed Liability: Insufficient evidence about the accident’s circumstances.
• Skipped Payments: Lapses in premium payments may lead to denied claims, though some policies allow for deferred payments.
• Limited Coverage: Issues with the extent of coverage, especially in no-fault states like Florida where Personal Injury Protection (PIP) limits may cap recoverable amounts.
• Baseless Denials: Sometimes claims are denied without a solid basis, particularly if the insurer believes the claimant lacks legal support.

Steps to Appeal a Denial

Appealing an insurance decision without professional legal help can be daunting and is less likely to succeed. Here’s how Morgan & Morgan can assist you in appealing your car insurance decision:

1. Evaluating the Denial: We start by reviewing the reasons for your claim's denial to assess its validity.
2. Collecting Evidence: Gathering comprehensive evidence is crucial. This can include medical records, photographs of the incident, witness statements, and any relevant reports.
3. Creating a Legal Strategy: Based on the evidence and the specifics of your case, we develop a robust legal strategy tailored to your situation.
4. Dealing Directly with Insurers: Our attorneys handle all communications with the insurance company, ensuring that your rights are defended vigorously.

Why Choose Morgan & Morgan?

Morgan & Morgan is the largest personal injury firm in the country, renowned for its commitment to securing fair compensation for its clients. Our attorneys have recovered over $20 billion for our clients, demonstrating our capability and dedication.

• In 2020, we secured $996,000 for a client involved in a car accident.
• In 2021, another client received $9,510,000 following a car accident.

Contact Us Today

If you're facing a car insurance claim denial in Miami, don't navigate the appeals process alone. Contact Morgan & Morgan at (305) 929-1900 or fill out our online form for a free case evaluation. Our expert insurance dispute attorneys are ready to help you secure the compensation you rightfully deserve.