General Personal Injury FAQs — The Villages

• ❓What should I do if USAA says “We have to confirm if your policy was active.” after my The Villages crash?
  Insurers like USAA often use lines such as “We have to confirm if your policy was active.” to stall or minimize claims. Even injuries like hip replacement due to trauma can be life-changing. In The Villages, we gather medical proof, challenge delay tactics, and, if needed, push for a case resolved during jury deliberation — outcomes in our files include results up to 714K.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in The Villages allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like dental fractures. Don’t accept “There are inconsistencies in your account.” at face value.
• ❓Will a gap in my medical care ruin my case in The Villages?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The bills are higher than reasonable market value.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “You were partially at fault for the accident..” Can a The Villages personal injury lawyer still help?
  Yes. Adjusters regularly say “You were partially at fault for the accident.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Auto-Owners Insurance. 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., AssuranceAmerica) often second-guess medical care to cut payouts. For clients such as a child pedestrian with lumbar disc replacement, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓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 case resolved during jury deliberation. Our case histories include results such as 996K. The goal is simple: fair compensation for your losses in The Villages.