Unfortunately, car accidents are quite common in Miami. With heavy traffic, aggressive driving habits, and a constant flow of tourists, it’s not surprising that collisions happen often. But what catches many people off guard isn’t the crash—it’s what happens afterward.

You expect your insurance company to help cover your losses and make things right. Instead, some insurers delay your claim, avoid clear answers, or offer far less than you need. That can leave you feeling frustrated, especially when you’re trying to recover from an injury or manage repairs.

If this sounds familiar, you’re not alone. Many accident victims run into the same problems. This article will show you what to do when the insurance company stops being helpful and starts pushing back. 

1. Spot the Signs of a Difficult Insurer

Insurance companies are businesses. Their goal is to pay as little as possible. When they decide to drag out your case, the signs are often clear. They might take weeks to respond to simple questions. They might tell you they’re still “reviewing” your file even after you’ve sent everything they asked for. Or they might ask for documents you already submitted.

If you’re hearing excuses or vague responses like “We’re waiting for more details,” it may be a stalling tactic. Some insurers also pass your file around between different agents to slow things down. If these things are happening, it’s a sign you need to act fast and take more control.

2. Consider Reaching Out to a Car Accident Attorney

Sometimes, no matter how organized or careful you are, the insurance company still won’t treat you fairly. They may delay the claim, reject valid expenses, or offer far less than what you’ve lost. If this happens, talking to a local Miami car accident attorney is a smart move. An experienced attorney can deal with the insurance company directly and help you understand your rights.

A lawyer can review your case, explain what compensation you may be entitled to, and handle the paperwork and negotiation. You don’t have to wait until things get worse. If you feel overwhelmed or unsure about what’s happening, it’s okay to ask for legal help sooner rather than later.

Firms like Bernstein & Maryanoff have experience handling cases just like yours. They understand how local insurers operate and know how to push back when claims aren’t being handled properly. A good attorney doesn’t just fight for compensation—they also give you peace of mind while you focus on recovery.

3. Keep a Record of Everything That Happens

One of the best ways to protect yourself is to keep a written record. Make notes after every phone call. Save every email. Keep copies of every document you send. This way, you can prove what was said and when.

If the insurance company later says they never got something, you’ll have proof. If they change their story, your notes will show what was said. Having this kind of paper trail is one of the easiest ways to stay in control and avoid being ignored or misled.

4. Don’t Trust Verbal Promises

Insurance adjusters might say things that sound reassuring. They might say, “Don’t worry, your claim looks good,” or “We’ll take care of that soon.” But if it’s not in writing, it doesn’t count.

It’s common for promises made over the phone to be forgotten or denied later. If an adjuster says something important, ask them to send it to you in an email. If they won’t do that, write a short message yourself confirming what they said. Always make sure there’s a record.

5. Read Your Policy, Even If It’s Boring

Most people don’t look at their insurance policy until there’s a problem. But if you’re not sure what’s covered, you could miss out on money you’re owed. Read through your policy to check for things like rental car coverage, medical payments, or towing costs.

Some insurance companies act like certain benefits don’t exist—until you point them out. Knowing what your policy covers gives you the power to demand what you’re entitled to. And if the policy language is confusing, ask someone you trust to help you go through it.

6. Don’t Rush Into a Low Settlement Offer

After an accident, money can get tight fast. Medical bills pile up. You may be out of work. That’s when the insurance company might make you a fast offer. It might even sound fair at first. But it’s often less than you need—and less than they owe.

These early offers are made to close your case before you know the full cost of your injuries. If you haven’t healed yet or don’t have final bills, don’t accept the offer. You may not get another chance to ask for more. Once you settle, your case is over. You can’t go back and ask for more money later. Wait until you have all the facts before signing anything.

7. Get Your Own Damage Estimates

The insurance company will often recommend a repair shop or doctor. That doesn’t mean you have to go there. You can—and should—get a second opinion.

Some repair shops that work with insurance companies may try to keep costs down to help the insurer. That could mean cheaper parts or shortcuts. The same goes for medical treatment. If you don’t feel like you’re getting proper care, see someone else. Getting your own estimates helps you know what the damages really are, not just what the insurer wants to pay.

8. Know Your Rights and Speak Up

You have rights under the law. If the insurance company delays your claim without reason, denies it unfairly, or doesn’t communicate, that may be bad faith. In Florida, that’s not allowed.

You have the right to a fair process. You also have the right to appeal a denied claim or take legal action if needed. Don’t be afraid to push back. Speak clearly. Follow up in writing. And if needed, report them to state regulators. Knowing your rights gives you power—even when the insurer tries to hold it back.

Insurance companies don’t always act in your best interest. They may try to save money by dragging things out or offering less than you deserve. But that doesn’t mean you have to accept it.

If you’ve been in an accident and your insurance company isn’t treating you fairly, you have options. Document everything. Ask questions. Take your time. And if needed, get legal help. You deserve to recover without being taken advantage of. Stand firm, stay informed, and take control of your case.