Fighting So-Called “Car Accident Claims” That Do Not Actually Involve Car Accidents

Invalid auto accident claims are quite common throughout Florida, and many of these claims are completely fraudulent. Aside from filing claims for staged car accidents, many policyholders also attempt to pursue compensation for injuries that actually have nothing to do with auto collisions. Insurance companies should be aware of the limitations of their own policies, and it may be surprisingly easy to deny claims that are only peripherally connected to auto accidents. An experienced insurance defense attorney in Orlando might make it easier to fight these claims.

Road Rage Is Increasing in Orlando 

Road rage incidents continue to increase in Orlando. Florida has the highest number of firearm-related road rage incidents in the entire nation, according to WFTV. Midway through 2025, Florida had seen almost 30 of these incidents. Other recent reports point to growing incidents involving tailgating, honking, brake checking, and other forms of aggressive behavior. Insurers should be aware that a significant portion of injuries on the road could be caused by violence and road rage – and not necessarily “accidents.”

The Elusive Nature of Road Rage Injuries 

Many motorists are well aware that their policies do not cover injuries caused by road rage. As a result, they may attempt to hide the true nature of their crash from local law enforcement and insurers.

For example, a driver who was injured after brake-checking another motorist might claim that they were rear-ended. Although this might be technically true, their injuries were obviously caused by their reckless behavior. As a result, this is not exactly an “accident.” An auto insurance company may be able to avoid paying out these claims if it can prove that the “victim” brake-checked the other vehicle before the collision.

Any intentional collision should not lead to a valid claim. However, it can be difficult to tell the difference between an accidental crash and a fully intentional, road-rage-induced ramming attack. A motorist can always claim that they suffered some kind of medical emergency before “losing control” and veering into another car.

These situations highlight the need to work with experienced insurance defense attorneys in Orlando. These legal professionals may be able to help you gather the evidence you need to prove that these injuries were caused by reckless, intentional acts – and not accidents.

Some of these situations might be quite complex. For example, what happens if a motorist drives through gunfire and loses control? What happens if their vehicle is struck by bullets, causing them to lose control and crash into a tree? Are their injuries compensable? What if they were struck by a stray bullet before crashing? The limitations of an insurance policy can be difficult to define, and a trial may be the only way to clearly resolve these complex situations.

Can an Orlando Insurance Defense Attorney Help Me? 

An Orlando insurance defense attorney may be able to guide companies toward positive outcomes. Road rage and other forms of violence are becoming increasingly common in Orlando, and the resulting injuries should not lead to insurance payouts. To fight these claims with confidence and efficiency, consider discussing strategies with HD Law Partners.

Sources: 

wftv.com/news/local/central-florida-grapples-with-rising-road-rage-incidents/QXTIYLZM6NBNXNJTXMXX7VOJNE/#:~:text=%E2%80%94%20Road%20rage%20is%20becoming%20a,reported%20cases%20already%20in%202025.

wftv.com/news/local/data-shows-road-rage-incidents-rise-florida/QF4OSIUN45FTDOAHDXW6SC6CDY/