General Personal Injury FAQs — Crystal Lake

• ❓What should I do if Farmers Insurance says “The provider overcharged for services.” after my Crystal Lake crash?
  Insurers like Farmers Insurance often use lines such as “The provider overcharged for services.” to stall or minimize claims. Even injuries like multiple rib fractures can be life-changing. In Crystal Lake, we gather medical proof, challenge delay tactics, and, if needed, push for a jury awarded damages in 411th Judicial District Court — outcomes in our files include results up to 1.34M.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., NJM Insurance Group) often second-guess medical care to cut payouts. For clients such as a Lyft passenger with septic arthritis after joint trauma, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓Will a gap in my medical care ruin my case in Crystal Lake?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The pain you’re describing is subjective.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “We’re still investigating liability..” Can a Crystal Lake personal injury lawyer still help?
  Yes. Adjusters regularly say “We’re still investigating liability.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Homesite Insurance. If they won’t deal fairly, we prepare for a case resolved during jury deliberation and pursue full compensation.
• ❓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 jury awarded damages in 411th Judicial District Court. Our case histories include results such as 708K. The goal is simple: fair compensation for your losses in Crystal Lake.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Crystal Lake allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like elbow dislocation with fracture. Don’t accept “We believe the claim is inflated.” at face value.