What to Do If Your Florida Car Accident Injury Claim Was Denied Because of a Pre-Existing Condition

If you were hurt in a car crash and the insurance company is trying to deny or reduce your claim by pointing to a pre-existing condition, you’re not alone.

At All Injuries Law Firm, we regularly represent people in Port Charlotte, Sarasota, and Fort Myers who are wrongly blamed for their own pain because of prior injuries or medical diagnoses—even when it’s clear that a crash made things worse.

Here’s what you need to know about overcoming insurance denials tied to pre-existing conditions, and how Florida law protects injured people—even if their health wasn’t perfect before the crash.

Why Insurers Use Pre-Existing Conditions to Deny Car Accident Claims

Insurance companies often use prior health issues as a shield to avoid paying full compensation.

They might say:
• Your pain is from an old injury, not the crash
• You had a degenerative condition, so nothing new happened
• Your symptoms are chronic, not traumatic
• The crash caused only a temporary flare-up, not permanent damage

“We’ve seen denials based on everything from prior car crashes to childhood sports injuries,” says Attorney Bryan Greenberg. “But even if you had back pain before, that doesn’t mean the crash didn’t make it worse—and under Florida law, that still matters.”

What Does Florida Law Say About Pre-Existing Conditions?

Under Florida’s legal doctrine known as the "egg-shell plaintiff rule," an injured person is entitled to compensation even if they were more vulnerable due to a previous injury or condition.

According to Florida Standard Jury Instruction 501.5, defendants are fully liable for all consequences of their negligence—even if the injury is more severe because of the plaintiff’s pre-existing health.

➤ In simple terms: If the crash made your old condition worse—you still have a valid claim.

What Medical Evidence Helps Prove the Crash Made It Worse?

You’ll need strong documentation to draw a clear line between the accident and the worsening of your symptoms.
What to gather:

• Prior medical records for the condition (MRIs, treatment notes, physical therapy summaries)
• Post-accident diagnostics (new MRIs, CT scans, orthopedic evaluations)
• Doctor’s written opinion comparing your condition before and after the crash
• Pain level journals or logs showing symptom progression
• Statements from treating physicians linking the aggravation to the crash event

“We work closely with medical providers to demonstrate how a crash aggravated our client’s health,” says Attorney Jenna Kakley. “That kind of evidence can flip a denial into a full settlement.”

Do I Need a Medical Expert or Specialist to Fight the Denial?

In many cases—yes.
When insurers challenge the cause of your injury, a medical expert witness can provide a detailed, credible opinion on what changed post-crash and why it matters.

At All Injuries Law Firm, we regularly consult with:
• Orthopedic specialists
• Neurologists
• Radiologists
• Rehabilitation doctors
• Chiropractic and pain management professionals

These experts help us refute the insurer’s position and present a clear, medically supported argument that the crash caused new harm—even if some problems already existed.

Can I Still Get Compensation for Aggravation of a Prior Injury?

Yes. Florida law allows injured people to recover damages when an accident aggravates a pre-existing injury—even if the insurer denies your PIP (Personal Injury Protection) claim.

You may be entitled to:
• Reimbursement of medical bills
• Ongoing treatment costs
• Lost wages
• Pain and suffering
• Diminished quality of life

“Insurers don’t get to cherry-pick your medical history to avoid responsibility,” says Attorney Corbin Sutter. “If you were hurt more because of a crash, they’re on the hook for that.”

What to Do If Your Claim Was Denied Because of a Pre-Existing Condition

• Request the denial reason in writing
• Collect your pre- and post-accident medical records
• Speak with your doctor about changes in symptoms
• Avoid giving insurers a recorded statement about your health
• Talk to a Florida injury attorney who understands how to overcome these denials

If you believe the denial was unfair or made in bad faith, you may also be protected under Florida Statute § 624.155, which allows you to pursue legal action against the insurance company.

Local Legal Help for People with Pre-Existing Conditions Injured in a Crash

You’re not alone—and you’re not without options.

Whether you’ve lived with chronic pain, had prior surgeries, or were in a previous accident, a new collision can still change everything. And under Florida law, you still have the right to recover compensation for that harm.

At All Injuries Law Firm, we’ve represented thousands of injured clients in Port Charlotte, Sarasota, and Fort Myers—including many whose claims were wrongly denied due to pre-existing conditions.

Talk to an Experienced Injury Attorney Who Understands Florida Law and Pre-Existing Conditions

📞 Call us today (941) 625-4878 at for a free consultation
📍 Serving Southwest Florida: Port Charlotte, Sarasota, Fort Myers
💼 No fees unless we win

“Pre-existing conditions don’t disqualify you from recovery,” Attorney Brian O. Sutter says. “They just mean we need to be more prepared—and we are.”

FAQ: Florida Car Accident Claims and Pre-Existing Conditions

❓ Can a car accident make a pre-existing condition worse?
Yes. Even if you had prior injuries or chronic pain, a car crash can significantly aggravate your condition. Under Florida law, you’re still entitled to compensation if the accident made your symptoms worse—even if the underlying issue already existed.

❓ Why did my auto insurer deny my claim because of a prior injury?
Insurance companies often try to limit payouts by blaming your pain on an older injury or chronic condition. They may argue that your current symptoms are unrelated to the crash. In many cases, this is a tactic to reduce or deny compensation—even when the accident clearly worsened your condition.

❓ What is Florida’s “egg-shell plaintiff” rule?
The egg-shell plaintiff rule says that negligent drivers are responsible for all the harm they cause—even if the victim had a pre-existing condition that made them more vulnerable. In other words, you take the injured person as you find them. This legal principle is supported by Florida Standard Jury Instruction 501.5.

❓ What medical records help prove that the crash worsened my condition?
You’ll need both prior and post-crash medical documentation, including imaging (MRI, CT), pain logs, doctor notes, and written statements from your physician showing that the collision caused a new injury or aggravated an existing one. Your attorney may also work with a medical expert to support your claim.

❓ Can I still recover compensation if I have a pre-existing condition?
Yes. Florida law allows injury victims to recover damages for aggravation of prior conditions, including medical costs, pain and suffering, and lost wages. A skilled attorney can help prove causation and negotiate a fair settlement —even if the insurer initially denied your claim.

❓ Will hiring a medical expert help overturn a denied injury claim?
Often, yes. A medical expert can provide critical testimony linking the car crash to the worsening of your pre-existing condition. Their opinion helps demonstrate that your injury is crash-related and not just a flare-up of an old issue.

❓ What should I do if my PIP claim was denied because of a chronic condition?
Start by getting the denial letter in writing. Then consult a personal injury attorney who can evaluate your medical records, secure expert input, and file a legal challenge if necessary. You may also be able to pursue a claim under Florida Statute § 624.155 if the denial was made in bad faith.