They Said No Collision. We Recovered $18,400.

The starting point: $0. The insurance company denied liability, claiming there had been no collision at all.

Five figures and a lawsuit later, one happy client.

That is the short version. Here are the actual documents: the $18,400 check received in October, the original denial letter, and the accident diagram we included in the demand package.

October 2026 result: an actual $18,400 check. Client identity, claim and check numbers, and banking identifiers are redacted.

They said no collision. We challenged the denial.

The insurer's July 16, 2024 letter stated that its insured did not have legal responsibility for the claim. Its explanation rested on a recorded statement from the driver, who said there was “no impact and no damage to the truck or trailer.”

Our client said otherwise. So did the crash evidence. We did not treat the insurance company's denial as the last word.

The original July 16, 2024 liability denial. Names, the client's address, incident date, and claim and policy identifiers are redacted.

The diagram mattered

Both vehicles were traveling in the same direction. The investigating officer's narrative described Unit 1 swerving to avoid another vehicle in the median, followed by its attachment making contact with Unit 2. The report also recorded that Unit 1's driver said he had been unaware of contact.

The distinction mattered. Being unaware of contact is different from establishing that no contact occurred. The crash-report diagram showed the vehicles' paths and marked the area of impact. Our demand put that evidence directly against the insurer's stated reason for denying the claim.

Original crash-report diagram included in the demand package. Unit 1 is the truck and trailer; Unit 2 is our client's vehicle. Occupant information and identifying report panels are excluded. The diagram is not to scale.

This is the original crash-report diagram from the demand package. It is not a recreation made for this post. Occupant details and identifying report information have been removed.

A lawsuit. The evidence. An $18,400 check.

Apex Law filed suit in September 2025. Attorney Neil Fulsang later submitted the final demand package, addressing the denial and presenting the crash report, repair documentation, and records supporting the injury claim.

The case continued through litigation and further discussions with the insurer. The result was an agreed $18,400 payment. The replacement check was dated October 26, 2026 and arrived at our office that month.

We cannot fit every filing, document, or exchange into a blog post. But these three images show the central dispute: the insurer said there was no collision, the crash evidence documented contact, and the claim ultimately produced a five-figure recovery after we filed suit.

Your denial letter is worth reviewing

If an insurance company has denied your car accident claim, send us the letter and the documents you have. Keep your crash report, photographs, repair records, medical bills, and correspondence together. We want to see what the insurer relied on and what the evidence actually shows.

Apex Law handles car accident injury claims in Alabama. Contact the firm at (256) 203-4290 or neil@apexlawal.com, or visit https://www.apexlawal.com/.

We’ll see you in court.

The $18,400 shown is the gross recovery before attorney fees, expenses, and any applicable reimbursements. It is not the client's net payment or a jury verdict. This is one case result; each case is different, and past results do not guarantee a similar outcome. Personal and financial identifiers have been redacted.