General Personal Injury FAQs — Neptune Beach

• ❓What should I do if Esurance says “The collision was too minor to cause injury.” after my Neptune Beach crash?
  Insurers like Esurance often use lines such as “The collision was too minor to cause injury.” to stall or minimize claims. Even injuries like distal radius fracture can be life-changing. In Neptune Beach, we gather medical proof, challenge delay tactics, and, if needed, push for a award granted by judge in 229th Judicial District Court — outcomes in our files include results up to 1.61M.
• ❓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 award granted by judge in 229th Judicial District Court. Our case histories include results such as 2.16M. The goal is simple: fair compensation for your losses in Neptune Beach.
• ❓An adjuster told me “We have to confirm if your policy was active..” Can a Neptune Beach personal injury lawyer still help?
  Yes. Adjusters regularly say “We have to confirm if your policy was active.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Allstate. If they won’t deal fairly, we prepare for a out-of-court settlement following litigation and pursue full compensation.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Root Insurance) often second-guess medical care to cut payouts. For clients such as a Uber driver with brain stem injury, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Neptune Beach allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like orbital blowout fracture. Don’t accept “We’re still evaluating liability with our insured.” at face value.
• ❓Will a gap in my medical care ruin my case in Neptune Beach?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The medical records aren’t sufficient.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.