Can an my insurance provider reject my claim after a car accident?

Striving to be the best car accident lawyer in Miami, Jonathan Perazzo, personal injury attorney and founder of the Perazzo Law Firm, understands that the moments after a car accident that leads to injury, can be daunting for car accident victims. That is why, it is fundamentally important to contact a trusted and dedicated car accident lawyer in Miami following an accident. Contact us ONLINE or CALL 888-PERAZZO now for a FREE consultation.

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Yes, your insurance provider can reject your claim after a car accident under certain circumstances. Common reasons for claim rejections include:

  1. Policy Violations: If you were violating the terms of your insurance policy at the time of the accident (e.g., driving without a valid license, using the vehicle for unauthorized purposes), your claim may be denied.
  2. Non-Payment of Premiums: If your insurance premiums were not up-to-date at the time of the accident, your policy might have lapsed, resulting in a claim denial.
  3. Lack of Coverage: The damage or incident might not be covered under your policy. For example, if you only have liability insurance and the claim is for damage to your own vehicle, it will not be covered.
  4. Fraudulent Claims: If the insurance company suspects that the claim is fraudulent or if you provided false information during the claim process, they can reject the claim.
  5. Late Reporting: If you did not report the accident or file the claim within the timeframe specified in your policy, your claim might be denied.
  6. Exclusions: Your policy might have specific exclusions that apply to the situation of your accident, such as certain types of damage or scenarios.
  7. Unlisted Drivers: If the person driving your car at the time of the accident was not listed on your policy and was not covered under the terms, the claim might be rejected.
  8. Uninsured Motorist Coverage Limitations: If the accident involved an uninsured motorist and you don’t have uninsured motorist coverage, your claim might be denied.

It’s important to carefully review your insurance policy to understand what is covered and the conditions for making a claim. If your claim is rejected, your insurance provider should provide a specific reason for the denial. If you believe the denial was unjust, you can appeal the decision or seek advice from a professional and dedicated car accident lawyer in Miami.


The Perazzo Law Firm is a dedicated Miami car accident lawyer serving individuals and families who have suffered injury due to the negligence of others. With a deep understanding of the emotional toll accidents can take, our firm, a reputable Miami car accident lawyer, is committed to helping those in need.

Our news blog is designed to inform you about the latest personal injury cases and legal developments. We aim to raise awareness of the injury and loss of life that occurs in our community by sharing information from publicly available sources. As a well-established Miami car accident lawyer, we strive to shed light on the legal avenues available to those affected. However, please note that the information shared in our blog has not been independently verified, and the photos depicted are not necessarily representative of the actual event. If you notice any inaccuracies, please bring them to our attention for correction.

If you, a friend, or a relative were involved in a car accident and suffered injuries or losses, contact the Perazzo Law Firm ONLINE for a FREE initial consultation and ZERO OUT-OF-POCKET FEES to clients.

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