Insurance

October 6, 2026

Why Auto Insurance Companies Are Denying More Injury Claims — And How to Protect Yourself

By Matt Perushek, Frei, Mims and Perushek LLP | Virginia personal injury attorney | Last updated [October 2026]

The facts: Insurers are closing more car accident injury claims without paying anything. A Wall Street Journal analysis of national insurance filings found that 45% of resolved auto liability and medical claims closed with no payment in 2025, up from 35% a decade earlier. In Virginia, a strict rule called contributory negligence can make a denial even more likely. If you were injured in a crash, the steps below can help protect your claim, and the Virginia car accident injury lawyers at Frei, Mims and Perushek LLP, with more than 45 years of personal injury experience, can help you take them.

Are insurance companies really denying more car accident injury claims?

July 16, 2014

Basics of Insurance – Part II

by Frei, Mims and Perushek, LLP

In my last post, I provided a summary of the types of auto insurance that often come into play during a personal injury case. In this post, I will outline some important auto insurance laws in Virginia and what you can do to protect yourself in case you are injured.
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March 27, 2014

Basics of Insurance – Part I

by Frei, Mims and Perushek, LLP

I often find myself explaining how auto insurance “works” to family, friends, and clients. Even the basics of insurance can be difficult to understand. Unfortunately, the complexities of insurance often cause individuals to unknowingly expose themselves to serious risk when purchasing auto insurance. Through this and a subsequent post, I will explain auto insurance in Virginia. To begin, this post will discuss the basic types of coverage that come into play during a personal injury case.
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