General Personal Injury FAQs — Albany

• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Albany allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like dislocated patella. Don’t accept “We’re waiting on a supervisor’s approval.” at face value.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., American National) often second-guess medical care to cut payouts. For clients such as a victim of a hit-and-run with Galeazzi fracture, 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 Albany?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You didn’t see a specialist.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓What should I do if Grange Insurance says “The provider overcharged for services.” after my Albany crash?
  Insurers like Grange Insurance often use lines such as “The provider overcharged for services.” to stall or minimize claims. Even injuries like hearing loss due to head impact can be life-changing. In Albany, we gather medical proof, challenge delay tactics, and, if needed, push for a settlement reached post-verdict in 21st Judicial District Court — outcomes in our files include results up to 708K.
• ❓An adjuster told me “We’re still evaluating liability with our insured..” Can a Albany personal injury lawyer still help?
  Yes. Adjusters regularly say “We’re still evaluating liability with our insured.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Elephant Insurance. If they won’t deal fairly, we prepare for a six-figure settlement finalized in 21st Judicial District Court 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 settlement reached post-verdict in 21st Judicial District Court. Our case histories include results such as 951K. The goal is simple: fair compensation for your losses in Albany.