Insurance Company Deny Claim Florida? What To Do

It’s one of the most frustrating moments after an accident. You did everything you were supposed to do. You reported the incident, got medical care, and trusted the insurer to handle your claim fairly. But instead of help, you got a denial letter. Or maybe a ridiculously low offer while your bills keep piling up. If your insurance claim was denied in Florida, don’t give up. There is denied insurance claim help Florida offers, and your first step is understanding the common insurance claim denial reasons in Florida so you can fight back effectively.

Do not accept a denial or low settlement without understanding your rights. Call (407) 887-4690 or schedule a free consultation with Injury LawStars. You pay nothing unless we win.

Insurance companies are businesses. Their adjusters are trained to limit payouts, challenge liability, question injuries, and close files for less than the full value of the claim. That does not mean every denial is valid. Many denied Florida injury claims can be challenged with the right evidence, medical documentation, legal arguments, and pressure from an attorney who knows how insurers operate.

This guide explains common insurance adjuster tactics, why Florida claims get denied, what mistakes to avoid, and how to protect yourself before the insurer controls the story.

Why Was My Florida Injury Claim Denied?

Insurance companies deny Florida injury claims when they believe they can dispute fault, coverage, causation, damages, or deadlines. Injury LawStars often sees denials based on incomplete records, medical gaps, policy exclusions, and blame-shifting. A denial letter states the insurer’s position, not necessarily the final legal outcome.

A claim denial is usually based on a stated reason, but the real dispute may be broader. The insurer may deny fault, dispute whether the policy applies, argue your injuries are unrelated, or claim you missed a deadline. In some cases, the denial is a negotiation tactic designed to make you give up or accept less than your case is worth.

Common reasons insurers give for denying Florida injury claims include:

• The policyholder was not at fault for the accident
• Your injuries were pre-existing or not caused by the incident
• You delayed medical treatment or had gaps in care
• The policy excludes the type of incident involved
• Coverage was canceled, lapsed, or limited
• The insurer says you failed to cooperate or provide documentation
• The claim was not reported on time
• The insurer says your damages are not supported by records

A denial letter is not always the final word. It is the insurer’s position based on the information it has or the information it chooses to emphasize. Your job is not to argue emotionally. Your job is to build a record that makes the denial harder to defend.

Simple Administrative Errors

Believe it or not, not every denial is a sign of a major fight. Sometimes, it’s a simple mistake. An incorrect billing code from your doctor’s office in Ocala, a misspelled name on a form, or a claim sent to the wrong insurance company can trigger an automatic denial. While these administrative errors seem minor, they can create major headaches and delays, especially when you’re trying to recover from your injuries. If you were in a car accident in The Villages, the last thing you want to do is spend hours on the phone arguing about a clerical error. An attorney can often cut through this red tape quickly, ensuring a small mistake doesn’t turn into a big problem for your claim.

Policy Exclusions and Fine Print

Insurance policies are contracts, and they are filled with complex language, conditions, and—most importantly—exclusions. An insurer might deny your claim because the specific circumstances of your accident fall under one of these exclusions. For example, your policy might have rules that say certain situations or injuries are not covered, like if you were using your personal car for a commercial purpose without the right coverage. Insurers will carefully read the fine print to find any reason to justify a denial. This is where having an experienced legal eye on your side is critical. We review the policy and the denial letter to determine if the insurer’s reason is valid or just an attempt to avoid paying what they owe for accidents across all our practice areas.

Watch Out for These Insurance Adjuster Tactics

Insurance adjuster tactics can hurt your Florida injury claim when they create statements, records, or settlement pressure that reduce the insurer’s exposure. Injury LawStars recommends treating every adjuster communication as important, especially when liability, medical causation, or claim value is disputed.

Adjusters may sound friendly, but their role is to protect the insurance company’s money. They investigate claims, evaluate risk, and look for reasons to reduce exposure. Understanding these tactics can help you avoid giving the insurer ammunition.

Pressuring You Into a Recorded Statement

One of the most common tactics is asking for a recorded statement before you understand the full extent of your injuries. The adjuster may ask you to estimate speeds, describe symptoms, explain what you did after the crash, or answer questions that seem harmless. Later, the insurer may compare that statement to medical records and argue that any difference proves you are inconsistent.

You should be careful with recorded statements, especially when speaking to the other party’s insurer. If you are unsure whether you must give one, speak with an attorney first.

Telling You It’s a “Simple” Claim

Some adjusters tell injured people that they do not need a lawyer because the company will handle everything. That can sound reassuring when you are overwhelmed. The problem is that the insurer is not responsible for protecting your full financial recovery. It is responsible for resolving the claim in a way that benefits the company.

Shifting the Blame to You

Florida follows a modified comparative negligence system. If the insurer can shift enough blame to you, it may reduce what it pays. If you are found more than 50% responsible, you may be barred from recovering damages in many negligence claims. That is why insurers often focus on speed, distraction, footwear, visibility, prior medical history, or anything else that can support a blame-shifting argument.

Using Gaps in Your Medical Treatment Against You

Insurance companies watch your treatment timeline closely. If you wait too long to see a doctor, miss appointments, stop treatment early, or fail to follow referrals, the insurer may argue you were not seriously hurt. In car accident cases, Florida’s Personal Injury Protection rules also make prompt care important. Crash victims generally need initial medical treatment within 14 days to access PIP benefits.

Offering a Fast Payout Before You Know the Full Cost

A fast settlement may feel like relief, but it can be dangerous. Once you sign a release, you usually cannot reopen the claim if your condition worsens, you need surgery, or medical bills increase. The insurer knows this. Quick offers often arrive before maximum medical improvement, before future care is understood, and before lost income is fully calculated.

What to Do When Your Florida Insurance Claim is Denied

First, do not panic and do not throw away the denial letter. A denial can be challenged, but you need to know exactly what the insurer is claiming and what evidence it says is missing.

Take these steps if your Florida injury claim is denied:

1. Read the denial letter carefully. Identify the policy language, factual claims, deadlines, and appeal instructions.
2. Save every document. Keep emails, letters, claim numbers, policy information, medical bills, photos, repair estimates, wage records, and adjuster notes.
3. Ask for the basis in writing. If the reason is vague, request a clear written explanation of the denial.
4. Continue medical care. Follow your treatment plan and document symptoms, restrictions, missed work, and daily limitations.
5. Do not give new statements without advice. A frustrated phone call can create problems if the adjuster records or summarizes it inaccurately.
6. Talk to a Florida personal injury lawyer. An attorney can review coverage, liability, deadlines, evidence gaps, and next steps.

In many cases, the strongest response is not a single angry letter. It is a complete evidence package that addresses liability, causation, damages, coverage, and the legal weaknesses in the denial.

Understand the Formal Appeals Process

When an insurance company denies your claim, it can feel like they get the final say. But that’s not true. You have the right to challenge their decision through a formal appeals process. This isn’t just about sending an angry email; it’s a structured procedure with specific steps designed to give you a fair chance to have your case re-evaluated. The process typically involves two main stages: an internal appeal directly with the insurance company and, if that fails, an external review by an independent third party. Understanding these steps is the first move toward turning a denial around and fighting for the compensation you need to recover.

Step 1: Request an Internal Appeal

The first step is to ask the insurance company to take a second look at its own decision. This is called an internal appeal. Your denial letter should outline the specific procedure for how to file one, including any forms you need to fill out and the deadline you must meet. It is critical to follow these instructions exactly. When you submit your appeal, you can include new evidence, clarification on existing information, or a letter explaining why you believe their decision was wrong. This is your opportunity to formally present your case directly to the insurer, so make sure your submission is clear, organized, and submitted on time.

Step 2: Demand an External Review

If the insurance company upholds its denial after your internal appeal, you can escalate the issue to an external review. This means an independent, third-party reviewer who has no connection to the insurance company will examine your case. This is a significant step because the insurer no longer gets to be the judge of its own actions. The external reviewer will look at the facts from both sides and make an impartial decision. Because this process can be more complex and involves specific legal standards, it is often the point where having an experienced attorney becomes essential to effectively handle your claim and protect your rights.

Prepare for Every Conversation

Every time you speak with an insurance adjuster, you should be prepared. Before you even pick up the phone, take time to gather all your relevant documents. This includes the police report from your car accident, your medical records, photos of your injuries or property damage, and the denial letter itself. Make a list of the key points you want to discuss and any questions you have for the adjuster. This preparation prevents you from being caught off guard and ensures you don’t forget to ask something important. Walking into a conversation organized and informed shows the insurance company that you are taking your claim seriously and are not easily intimidated.

Keep Detailed Records of All Communication

Creating a paper trail is one of the most powerful things you can do to protect your claim. After every phone call with the insurer, write down the date, time, the name and title of the person you spoke with, and a summary of what was discussed. If the adjuster makes a promise or a statement, ask them to confirm it in an email. Save every piece of correspondence, from emails to official letters. This meticulous record-keeping does more than just keep you organized—it creates a body of evidence. If there is ever a dispute about what was said or agreed upon, your notes can be invaluable for the legal team at Injury LawStars as we build a case for our clients in communities like The Villages, Ocala, and Leesburg.

Challenging the Cause of Your Injuries

Insurers attack injury causation by arguing that your pain came from a prior condition, a later event, a medical gap, or something unrelated to the accident. Injury LawStars counters these arguments with treatment records, diagnostic imaging, doctor opinions, timelines, and before-and-after evidence that connects the incident to your losses.

Causation means proving the accident caused your injuries. This is one of the most important parts of a personal injury claim because insurers often accept that an incident happened while still denying that it caused the harm you are claiming.

For example, an insurer may argue that a low-speed crash could not have caused a neck injury, that back pain came from an old condition, or that symptoms reported days later are unrelated. These arguments can be especially common in soft tissue injuries, spinal injuries, concussions, shoulder injuries, knee injuries, and cases involving prior medical history.

Medical evidence matters. Emergency room records, orthopedic evaluations, MRI reports, physical therapy notes, pain management records, surgical opinions, and primary care records can all help connect the injury to the accident. So can testimony from treating doctors, before-and-after witnesses, work records, and documentation showing how your daily life changed.

If your injuries started after the accident, worsened after the accident, or required new treatment because of the accident, do not assume a pre-existing condition defeats your claim. Florida injury cases often involve people who were more vulnerable before the crash. The key is showing how the incident changed your condition and what losses resulted.

For severe crash cases, the same causation disputes may appear in Florida truck accident claims and Florida motorcycle accident cases, where insurers often argue that the injuries came from prior conditions instead of the collision.

If the insurance company is blaming a pre-existing condition or medical gap, call (407) 887-4690. Injury LawStars can review the denial and explain how to protect your claim.

Is a Low Settlement Offer Really a Denial?

A low settlement offer can function like a denied Florida injury claim when it ignores medical bills, future care, lost income, pain, suffering, or permanent limitations. Injury LawStars advises injured people to compare any offer against the full documented value of the case before signing a release.

Not every denial says denied at the top of the page. Sometimes the insurer technically accepts the claim but offers far less than the losses justify. A lowball settlement can have the same effect as a denial if it ignores medical bills, future treatment, lost income, pain, suffering, or permanent limitations.

Low offers often happen when the insurer:

• Uses software that undervalues pain and suffering
• Separates medical bills from the full human impact of the injury
• Questions whether treatment was reasonable or necessary
• Ignores future care needs
• Assumes you need money quickly and will settle under pressure
• Counts on you not knowing Florida law or claim value

Before accepting any offer, make sure you understand the full value of your damages. Injury claims may include medical expenses, future treatment, lost wages, reduced earning capacity, pain and suffering, emotional distress, disability, scarring, and loss of enjoyment of life. If you are also worried about medical liens or unpaid bills, read our guide on whether medical bills must be paid from a settlement.

What Makes Florida Car Accident Claims Different?

Car accident claims in Florida can be confusing because the state uses no-fault Personal Injury Protection benefits for many crash-related medical bills and lost wages. That does not mean fault never matters. Serious injury claims, liability claims, uninsured motorist claims, and claims against negligent drivers still require careful evidence.

After a crash, insurers may dispute:

• Whether you got medical treatment within the required PIP timeframe
• Whether your injury meets the threshold for a liability claim
• Whether another driver caused the collision
• Whether your medical care was related, necessary, or reasonable
• Whether uninsured or underinsured motorist coverage applies

If your accident involved a vehicle, review our Florida car accident lawyer guide for more details about fault, PIP, evidence, and compensation. If you are still deciding whether to handle the claim on your own, read our guide on filing a personal injury claim without a lawyer in Florida.

The “Emergency Medical Condition” Rule for PIP Benefits

Florida’s PIP system has a critical rule that can significantly impact your benefits after a car accident. You must seek initial medical care within 14 days of the crash to even qualify for PIP coverage. Beyond that, the amount you can receive for medical bills depends on how a doctor classifies your injuries. If a qualified medical professional determines you have an “Emergency Medical Condition” (EMC), you can access up to $10,000 in PIP medical benefits. However, if your injuries are not designated as an EMC, your benefits are capped at just $2,500. Insurance companies often use this rule to limit what they pay, especially for injuries like whiplash or even a concussion that may not seem severe at first. This is a key reason why understanding the specifics of your claim is so important for protecting your financial recovery.

Don’t Miss These Critical Florida Claim Deadlines

Florida injury claims are deadline-driven. The statute of limitations for many negligence-based personal injury lawsuits in Florida is two years from the date of the injury. Some cases have different deadlines, shorter notice requirements, or special rules depending on the type of claim and the defendant involved.

Insurance companies know deadlines matter. Delays can weaken evidence, make witnesses harder to find, and give the insurer more leverage. If the deadline expires, you may lose the right to file a lawsuit even if the insurer’s denial was unfair.

This is one reason it is risky to spend months trading emails with an adjuster who keeps asking for more paperwork but never makes a fair decision. Negotiation does not always stop legal deadlines. If you are unsure how much time you have, get legal advice immediately.

If the insurer is denying a fall-related injury, our Florida premises liability lawyer resource explains how property conditions, incident reports, and witness evidence can affect the claim.

The Two-Year Statute of Limitations for Negligence

In Florida, the clock starts ticking the moment an injury occurs. For most personal injury claims based on negligence—like a car crash, a slip and fall, or a dog bite—you have a strict deadline to file a lawsuit. This deadline is called the statute of limitations, and in Florida, it is generally two years from the date of the injury. This is not just a guideline; it is a hard rule. If you try to file a lawsuit after this two-year window closes, the court will almost certainly dismiss your case, no matter how strong it is. This is why you cannot afford to wait for an insurance adjuster to make a final decision, especially if they are delaying. The legal deadline for a car accident claim continues to approach, regardless of your negotiations with an insurer.

Deadlines for Appealing a Health Insurance Denial

When you are recovering from an injury, the last thing you want is a letter from your health insurance company denying coverage for necessary care. It is a frustrating and common problem. However, a denial is not the end of the road. You have the right to appeal the decision. The process has its own set of deadlines that you and your insurer must follow. These timelines depend on the type of care that was denied. Understanding these deadlines is the first step in fighting back and getting the coverage you need for your recovery, whether your injury was from a fall in The Villages or a serious construction accident in Ocala.

Urgent Care Claims

If your doctor determines that waiting for a standard appeal could seriously jeopardize your life, health, or ability to regain maximum function, you can request an expedited appeal. In these urgent situations, the timeline is much shorter. When you appeal a denial for urgent care, your insurance company is required to make a decision and notify you within 72 hours of receiving your request. This rapid turnaround is designed to ensure you get critical care without dangerous delays. Make sure your appeal request clearly states that it is for an urgent care situation and includes supporting information from your doctor.

Claims for Treatment Not Yet Received

This deadline applies to pre-authorization denials. It happens when your doctor recommends a specific treatment, surgery, or therapy, but your insurance company denies coverage before you receive it. When you file an internal appeal for a claim involving treatment you have not yet received, the insurer generally has 30 days to review your case and provide a decision. This gives you and your doctor time to build a case, submit additional medical records, and provide a clear argument for why the recommended treatment is medically necessary for injuries like those sustained in a motorcycle accident.

Claims for Treatment Already Received

Sometimes you only find out a claim was denied after you have already received the treatment and the bill has been sent to your insurer. This is called a retrospective denial. When you appeal a denial for care you have already received, the insurance company has a bit more time to respond. Under federal law, they must make a decision on your internal appeal within 60 days of receiving your request. While this is the longest timeline, it is important to keep track of it and follow up if you do not hear back within that window.

The 30-Day PIP Demand Letter Window

For Florida car accident victims, Personal Injury Protection (PIP) is your first line of defense for covering medical bills and lost wages. If your own PIP insurer denies benefits you believe are owed, you cannot immediately file a lawsuit. Florida law requires you to take a specific step first: you must send a formal PIP demand letter to the insurance company. This letter outlines the overdue benefits and gives the insurer 30 days to pay what they owe. If they fail to pay within that 30-day window, you can then proceed with a lawsuit. This is a critical prerequisite for legal action in drunk driving accident cases and other crashes, and it is a step an experienced attorney can handle for you to ensure all legal requirements are met.

What Evidence Can Reverse a Denied Insurance Claim?

The evidence that can overturn a Florida claim denial usually addresses the insurer’s specific reason for refusing payment. Injury LawStars looks for proof of liability, coverage, medical causation, damages, wage loss, and deadline compliance, then builds a demand package that directly challenges the denial letter.

The best evidence depends on the reason for the denial. A liability dispute needs different proof than a medical causation dispute. A coverage issue requires different documents than a damages dispute.

Helpful evidence may include:

• Police crash reports, incident reports, or property owner reports
• Photos and video of the scene, vehicles, hazards, injuries, and property damage
• Witness names, statements, and contact information
• 911 calls, body camera footage, surveillance footage, or dash camera video
• Medical records, diagnostic imaging, prescriptions, and specialist reports
• Proof of missed work, reduced hours, job restrictions, and lost income
• Receipts for out-of-pocket expenses, transportation, medical equipment, and home help
• Prior medical records that show your baseline before the accident
• Expert opinions from doctors, accident reconstructionists, economists, or life care planners

The goal is to make the insurer confront the full facts, not just the facts that support its denial. A strong demand package can show why the denial is wrong, why the damages are documented, and why the insurer faces risk if it refuses to resolve the claim fairly.

When you are ready to have the denial reviewed, request a free case review with Injury LawStars and bring the denial letter, claim number, policy documents, and medical records you have so far.

Your Medical Records and Your Doctor’s Opinion

When an insurer questions whether an accident caused your injuries, your medical file becomes your most powerful tool. This is where you build the bridge connecting the incident to your diagnosis. Medical evidence matters, and it’s more than just one doctor’s note. Emergency room records, orthopedic evaluations, MRI reports, physical therapy notes, and primary care records all work together to create a timeline. This documentation can show how your daily life changed and prove the extent of your harm, especially in cases involving a traumatic brain injury where symptoms develop over time. If your injuries worsened or required new treatment after the accident, don’t let an adjuster dismiss your claim over a pre-existing condition. The key is showing how the incident changed your condition and what losses resulted.

Proof of Delivery for All Documents

When you send documents to an insurance company, you need to be able to prove they received them. It’s a simple step that prevents the common excuse of “we never got it.” Save every document you have related to your claim, including emails, letters, claim numbers, policy information, medical bills, and photos. When you submit this information, use a method that provides proof of delivery, such as certified mail with a return receipt or an email with a read receipt. This creates an undeniable paper trail. The evidence needed to reverse a denial often directly addresses the insurer’s specific reason for it. A well-documented file is the foundation for a strong demand package, which is critical in complex cases like those involving medical malpractice.

Getting Help for a Denied Insurance Claim in Florida

A Florida personal injury lawyer can help after an insurance denial by investigating the accident, identifying coverage, protecting you from adjuster tactics, proving medical causation, calculating damages, and preparing the case for litigation. Injury LawStars also helps clients understand how unpaid medical bills, liens, and future care affect settlement strategy.

A lawyer does more than send letters. The right attorney investigates the accident, identifies every available insurance policy, protects you from adjuster tactics, organizes medical proof, calculates damages, negotiates liens, and prepares the case for litigation if the insurer will not act reasonably.

At Injury LawStars, this work is personal. Katie Miller knows what it feels like to be seriously injured, overwhelmed by recovery, and forced to deal with the aftermath of a life-changing accident. The firm’s message, “I Was You, Now I Represent You,” is not a slogan pulled from a marketing meeting. It comes from lived experience.

Our team represents injured people throughout Florida on a contingency fee basis. That means no upfront attorney fees and no attorney fees unless we recover compensation for you. We also offer free consultations, so you can understand your options before making a decision.

Insurance company denying, delaying, or undervaluing your Florida injury claim? Call (407) 887-4690 or contact Injury LawStars online for a free consultation.

Frequently Asked Questions

Can an insurance company deny my Florida injury claim?

Yes. An insurer can deny a claim if it believes coverage does not apply, fault is not proven, injuries are unrelated, deadlines were missed, or damages are not supported. A denial does not always mean the insurer is correct. Many denials can be challenged with stronger evidence and legal pressure.

Should I talk to the insurance adjuster after a denial?

You can communicate about basic claim logistics, but be careful with recorded statements, blame questions, medical history questions, and settlement discussions. If the denial involves fault, causation, serious injuries, or a low offer, it is smart to speak with a personal injury lawyer before giving more information.

What if the insurer says my injury was pre-existing?

A pre-existing condition does not automatically defeat a Florida injury claim. The issue is whether the accident caused a new injury, aggravated an old condition, or made symptoms worse. Medical records and doctor opinions can be important evidence.

How long do I have to file a Florida personal injury lawsuit?

Many Florida negligence claims have a two-year statute of limitations, but some cases have different rules or shorter notice deadlines. Do not wait for the insurer to finish reviewing the claim before checking your deadline.

What does it cost to hire Injury LawStars?

Injury LawStars handles personal injury cases on a contingency fee basis. You pay no upfront attorney fees, and attorney fees are only charged if compensation is recovered for you.

Navigating Bad Faith Claims with a Civil Remedy Notice

When an insurance company seems to be intentionally delaying your claim or denies it without a good reason, this is known as insurance bad faith. Fortunately, Florida provides a specific tool to formally challenge this behavior: a Civil Remedy Notice (CRN). Filing a CRN officially notifies the insurer that you believe they have acted in bad faith and starts a 60-day clock. During this period, the company gets a chance to “cure” the problem by resolving your claim fairly. This is a serious legal step that shows the insurer you are prepared to hold them accountable for their obligations under your policy and state law.

How Recent Legal Changes (HB 837) Affect Your Claim

It’s important to understand that recent changes to Florida law have made the claims process more challenging. A major change shortened the time you have to file a lawsuit for many types of personal injury claims from four years down to just two. This means you have significantly less time to act after a denial, creating more pressure to gather evidence and make critical decisions. The law also made it harder for policyholders to have their attorney’s fees paid by the insurance company, even if they win their case. These updates underscore why it is so important to be proactive and strategic right from the start.

Contacting the Florida Department of Financial Services

If you feel an insurer’s denial violates state insurance laws, you can also report the company to the Florida Department of Financial Services. This state agency regulates the insurance industry and can be a valuable resource. When you file a complaint, the department may review your case and contact the insurer on your behalf to investigate their actions. While this isn’t a substitute for pursuing your own legal claim, it can add another layer of pressure on the insurance company to reconsider its decision. This also helps state regulators identify and track patterns of unfair behavior among insurers in communities like Ocala, Leesburg, and The Villages.

How a Lawyer Can Help

After an insurance denial, a personal injury lawyer can take over the entire fight for you. An attorney will thoroughly investigate the accident, gather the evidence needed to prove fault, and protect you from adjuster tactics designed to weaken your claim. At Injury LawStars, our team works to prove medical causation by connecting your injuries directly to the incident and calculates the full scope of your damages, including future medical needs and lost income. We prepare every case as if it is going to trial, which shows the insurer we are serious about securing the compensation you deserve. This comprehensive approach is critical for challenging denials and navigating the legal system.

Take Back Control of Your Injury Claim

A denied claim can make you feel powerless, but you may still have options. The insurance company’s first answer is not always the right answer. The earlier you protect evidence, avoid damaging statements, document medical care, and get legal guidance, the stronger your position may be.

If you were injured in Florida and the insurer is denying, delaying, or undervaluing your claim, Injury LawStars is ready to help. We offer free consultations, 24/7 availability, and personal injury representation with no fees unless we win.

Call (407) 887-4690 today or schedule your free consultation. We know the insurance company playbook, and we know how to fight back.

Key Takeaways

• A denial is not the final word: Insurance companies often deny valid claims for business reasons, using tactics like blaming you, questioning your injuries, or making low offers. You have the right to challenge their decision through a formal appeals process.
• Documentation is your best defense: Protect your claim by keeping detailed records of everything, including the denial letter, all communications with the insurer, medical records, and proof of lost wages. A strong paper trail is essential for reversing a denial.
• Deadlines are critical and non-negotiable: Florida has strict deadlines for injury claims, including a two-year statute of limitations for most negligence lawsuits. Waiting for an insurer to cooperate can cause you to lose your right to sue, so it is important to act quickly and consult an attorney to protect your timeline.

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