General Personal Injury FAQs — Captiva

• ❓An adjuster told me “You didn’t report the injury immediately..” Can a Captiva personal injury lawyer still help?
  Yes. Adjusters regularly say “You didn’t report the injury immediately.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Wawanesa Insurance. If they won’t deal fairly, we prepare for a structured settlement agreement reached and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Captiva?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We have to confirm if your policy was active.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Captiva allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like cranial nerve damage. Don’t accept “You saw a chiropractor, not a medical doctor.” at face value.
• ❓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 judge’s damages award following bench trial. Our case histories include results such as 691K. The goal is simple: fair compensation for your losses in Captiva.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., American Family Insurance) often second-guess medical care to cut payouts. For clients such as a senior citizen hit in grocery lot with esophageal tear, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if The Hartford says “We don’t believe the treatment was necessary.” after my Captiva crash?
  Insurers like The Hartford often use lines such as “We don’t believe the treatment was necessary.” to stall or minimize claims. Even injuries like complex regional pain syndrome can be life-changing. In Captiva, we gather medical proof, challenge delay tactics, and, if needed, push for a judge’s damages award following bench trial — outcomes in our files include results up to 687K.