General Personal Injury FAQs — Monticello

• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Monticello allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like labral tear (shoulder). Don’t accept “There’s a question about your seatbelt use.” at face value.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Horace Mann) often second-guess medical care to cut payouts. For clients such as a roofing contractor injured on-site with arterial dissection from 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 Monticello?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The at-fault driver’s policy may be void.,” 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 six-figure settlement finalized in 317th Judicial District Court. Our case histories include results such as 2.3M. The goal is simple: fair compensation for your losses in Monticello.
• ❓What should I do if Farmers Insurance says “This is the most we’re allowed to offer.” after my Monticello crash?
  Insurers like Farmers Insurance often use lines such as “This is the most we’re allowed to offer.” to stall or minimize claims. Even injuries like spinal fusion surgery can be life-changing. In Monticello, we gather medical proof, challenge delay tactics, and, if needed, push for a six-figure settlement finalized in 317th Judicial District Court — outcomes in our files include results up to 884K.
• ❓An adjuster told me “We don’t believe the treatment was necessary..” Can a Monticello personal injury lawyer still help?
  Yes. Adjusters regularly say “We don’t believe the treatment was necessary.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like ACCC Insurance Company. If they won’t deal fairly, we prepare for a out-of-court settlement following litigation and pursue full compensation.