General Personal Injury FAQs — Calvin

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., The General) often second-guess medical care to cut payouts. For clients such as a child pedestrian with disfiguring limb deformity, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if Liberty Mutual says “The collision was too minor to cause injury.” after my Calvin crash?
  Insurers like Liberty Mutual often use lines such as “The collision was too minor to cause injury.” to stall or minimize claims. Even injuries like dislocated patella can be life-changing. In Calvin, we gather medical proof, challenge delay tactics, and, if needed, push for a jury award issued in civil trial at 8th Judicial District Court — outcomes in our files include results up to 1.42M.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Calvin allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like temporal bone fracture. Don’t accept “We haven’t received your bills yet.” at face value.
• ❓An adjuster told me “We haven’t completed our medical review yet..” Can a Calvin personal injury lawyer still help?
  Yes. Adjusters regularly say “We haven’t completed our medical review yet.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like American National. If they won’t deal fairly, we prepare for a case concluded with settlement in 8th 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 jury award issued in civil trial at 8th Judicial District Court. Our case histories include results such as 1.67M. The goal is simple: fair compensation for your losses in Calvin.
• ❓Will a gap in my medical care ruin my case in Calvin?
  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.