California, Texas and Florida see most vehicle claims denied, according to law firm review | Repairer Driven News

Published 9 hours ago• 2 minute read

California, Texas and Florida see the most auto insurance claims denied annually, according to an analysis of insurance claims nationwide by a Florida law firm.

Anidjar & Levine law firm says claim denials are a rising concern for drivers across the nation.

“When a claim is denied, policyholders face unexpected out-of-pocket expenses, adding stress to an already challenging situation,” the firm’s website says. “The frustration only deepens when drivers face setbacks that impact their daily routines, finances, and even their mental well-being.”

About 5% to 15% of all auto insurance claims are denied at some stage, the website says. It adds the denial rate can vary widely depending on factors such as policy type, the insurer and contract language.

California had 4,800 complaints for denial with other common issues being delayed payments and settlement disputes. Texas followed with 4,200 complaints with other issues being claim handling and low settlement offers. Florida was third on the list with 3,800 complaints. Other issues the state faces are fraud, uninsured drivers and delayed settlements.

Other states that round out the list include New York, Illinois, Pennsylvania, Georgia, Michigan, Ohio and North Carolina.

“For consumers, a denied claim can lead to significant financial strain,” the website says. “Florida drivers, for instance, may struggle to afford timely vehicle repairs, leading to missed work, school, or appointments. In states like Michigan, no-fault insurance can make coverage confusing, often resulting in higher premiums and frequent claim disputes.”

The law firm suggests these tips for navigating the claims process:

The law firm also suggests contacting an attorney if:

Disputed liability or fault
Policy limit issues

“Navigating an auto insurance claim denial is complex and can be overwhelming, especially in states like Florida, where high denial rates and complaints are prevalent.” the website says. “Staying informed and proactive can make a significant difference, but even with the right steps, many policyholders still face unjust denials that threaten their financial stability.”