General Personal Injury FAQs — Columbia

• ❓An adjuster told me “You were partially at fault for the accident..” Can a Columbia 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 Homesite Insurance. If they won’t deal fairly, we prepare for a award confirmed during arbitration and pursue full compensation.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Columbia allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like scaphoid fracture. Don’t accept “You didn’t see a specialist.” at face value.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Safeco) often second-guess medical care to cut payouts. For clients such as a commercial van driver with plantar fascia rupture, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if Auto-Owners Insurance says “There are inconsistencies in your account.” after my Columbia crash?
  Insurers like Auto-Owners Insurance often use lines such as “There are inconsistencies in your account.” to stall or minimize claims. Even injuries like metacarpal fracture can be life-changing. In Columbia, we gather medical proof, challenge delay tactics, and, if needed, push for a six-figure settlement finalized in 37th Judicial District Court — outcomes in our files include results up to 1.02M.
• ❓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 37th Judicial District Court. Our case histories include results such as 2.4M. The goal is simple: fair compensation for your losses in Columbia.
• ❓Will a gap in my medical care ruin my case in Columbia?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “Your injury doesn’t meet our definition of serious.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.