How Insurance Companies Deny Car Accident Claims in Port Charlotte — and How We Fight Back

Corbin Sutter Accident Lawyers Personal Injury

If you've been hurt in a car crash in Port Charlotte, chances are you're now facing a second battle: getting fair compensation from the insurance company. And thanks to recent changes in Florida law, that fight has only gotten harder. Here's how insurers try to minimize what they owe you — and how All Injuries Law Firm stands up to them to secure the compensation you truly deserve.

Understanding the New Insurance Landscape in Florida

In 2023, Florida passed major tort reform laws that shifted power heavily toward insurers. These new rules:

• Cut the time limit to file a lawsuit from 4 years to 2
• Prevent recovery if you're more than 50% at fault
• Restrict which medical bills you can recover
• Allow insurers 90 days to delay without facing "bad faith" penalties

Insurance companies use these rules as tools to deny or reduce claims quickly and aggressively. We've seen this firsthand, and we know how to push back.

“We’ve seen more cases lately where good people get blindsided—not just by the crash, but by the fine print and new laws that insurers twist to deny valid claims.” — Attorney Bryan Greenberg

The Tactics Insurance Companies Use to Deny Claims

1. Shifting the Blame

Under the new 50% fault rule, insurance adjusters work hard to pin the blame on you. They may cite vague accusations like distracted driving or speeding, or claim you failed to wear a seatbelt. These tactics are often used even when no traffic citation was issued.

“One client was blamed for a crash simply because they didn’t have their headlights on—even though it was 10 a.m. on a sunny day. These are the games insurers play now, and it’s our job to shut them down.” — Attorney Corbin Sutter

2. Delaying Until You Give In

The 90-day "safe harbor" period gives insurers room to delay claim processing. They often wait until the last possible moment to make a low offer, betting that you’ll accept just to move on.

“It’s common for injured clients to tell us they feel ignored. That’s exactly what insurers want—to wear people down. We make sure they’re not alone during that fight.” — Attorney Jenna Kakley

3. Undervaluing Medical Costs

Instead of covering the full amount of your medical bills, insurers now limit payouts to the amounts paid by Medicare, Medicaid, or your health insurance — often far less than what you actually owe.

4. Blocking Your Access to Evidence

When a case goes to court, new "proportionality" discovery rules let insurers withhold key documents, limit expert testimony, and make it harder to prove your case.

5. Exploiting Repair and Towing Disputes

They may dispute the validity of repair estimates, challenge your car's towing fees, or claim the work was unauthorized.

How All Injuries Law Firm Fights Back

When you hire us, we don’t just file paperwork — we go to work immediately to build the strongest case possible.

Early Action That Makes a Difference:

• Preserving evidence from the crash scene
• Interviewing witnesses before their stories fade
• Documenting your injuries and medical care

“When we get involved early, we protect the evidence before it disappears. That’s often the difference between a denied claim and a fair recovery.” — Attorney Brian O. Sutter

Tough Legal Strategies:

• Challenging blame with accident reconstruction experts
• Forcing disclosure of key insurance documents
• Preparing expert witnesses to counter insurer narratives

Clear, Strategic Settlement Demands:

• Compiling all damages, including future medical costs and lost earnings
• Targeting full compensation from every available policy
• Avoiding delay traps and using the safe harbor period to your advantage

What You Can Do Now

The sooner you act, the stronger your case will be. After a crash:

• Get medical care immediately
• Save every document, photo, and receipt
• Avoid giving detailed statements to insurance adjusters
• Call a trusted local attorney

Why Clients Choose Us in Port Charlotte

At All Injuries Law Firm, we have decades of experience handling car accident claims right here in Charlotte County. Our team knows how local insurers operate, understands the latest laws, and has the resources to take on even the largest companies.

“Most of our clients don’t just need a lawyer—they need someone who listens, who knows the system, and who’ll fight for them like family. That’s what we do here.” — Attorney Jenna Kakley

We’ve recovered millions for injured Floridians. But more than that, we’re committed to helping our neighbors get the support and justice they deserve after a crash.

Call us at 941 625 4878 for a free consultation. We’re here to help — and you pay nothing unless we win for you.