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

Michael P. Maddux, P.A. Team
Disputed liability infographic explaining how attorneys challenge insurance denials when police reports and insurer findings conflict.

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.

What Our Clients Say About Us

Hear From the Clients Who Chose Tampa Bay’s Award-Winning Firm

Michael and his law office were the best lawyers I have seen in action I had a crazy messed up case and Michael and his office made everything so easy I would definitely recommend him to anyone.

Bruce

Michael is a very caring person at heart and wants to see the best show in everyone. He has done miracles for me numerous times and I am very thankful to have him in my life and on my side not only a good friend but an awesome attorney who knows this stuff thanks Mike.

Austin

Michael, Carrie, and Jennifer are wonderful!!! They will truly go above and beyond! I am so grateful to them! They will communicate with you throughout the whole process and never leave you in the dark. Thank you so much again!!!

Norma

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