Police Said They Were at Fault. Why Won't Insurance Pay?

Reviewed by Michael P. Maddux, Esq. | Board Certified Criminal Trial Lawyer | Florida Super Lawyer for 16 Consecutive Years

It catches many people off guard: a police officer determines the other driver was at fault, yet the insurance company still refuses to accept liability.

While police reports are valuable, they are not the final word. Insurance adjusters conduct their own evaluations and may attempt to shift or dispute fault to limit what they pay.

That’s where we step in. Our team builds a stronger, evidence-driven case—gathering additional proof, challenging unsupported denials, and pushing back until accountability is clear.

Because when liability is on your side, it should be recognized—and enforced.