General Personal Injury FAQs — Apalachicola

• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Apalachicola allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like TMJ dysfunction from impact. Don’t accept “This is the most we’re allowed to offer.” at face value.
• ❓What should I do if Homesite Insurance says “The police report is inconclusive.” after my Apalachicola crash?
  Insurers like Homesite Insurance often use lines such as “The police report is inconclusive.” to stall or minimize claims. Even injuries like femoral shaft fracture can be life-changing. In Apalachicola, we gather medical proof, challenge delay tactics, and, if needed, push for a settlement reached post-verdict in 62nd Judicial District Court — outcomes in our files include results up to 897K.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Bristol West) often second-guess medical care to cut payouts. For clients such as a truck driver with severe hand crush injury, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “There’s a gap in your medical care..” Can a Apalachicola personal injury lawyer still help?
  Yes. Adjusters regularly say “There’s a gap in your medical care.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Bristol West Insurance Group. If they won’t deal fairly, we prepare for a out-of-court settlement following litigation and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Apalachicola?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You’ve already reached maximum medical improvement.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓Do I have to take a low offer or can we fight for a better result?
  You never have to accept a lowball. We negotiate hard with insurers, and when needed we move toward a settlement reached post-verdict in 62nd Judicial District Court. Our case histories include results such as 1.02M. The goal is simple: fair compensation for your losses in Apalachicola.