General Personal Injury FAQs — Elizabeth

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., USAA) often second-guess medical care to cut payouts. For clients such as a child struck exiting school bus with brain stem injury, 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 Elizabeth?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The photos you submitted aren’t clear.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “You returned to work too quickly to justify lost wages..” Can a Elizabeth personal injury lawyer still help?
  Yes. Adjusters regularly say “You returned to work too quickly to justify lost wages.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Shelter Insurance. If they won’t deal fairly, we prepare for a jury award issued in civil trial at 33rd Judicial District Court and pursue full compensation.
• ❓What should I do if Mercury Insurance says “We can’t confirm that you were the driver.” after my Elizabeth crash?
  Insurers like Mercury Insurance often use lines such as “We can’t confirm that you were the driver.” to stall or minimize claims. Even injuries like crushed limb requiring surgery can be life-changing. In Elizabeth, we gather medical proof, challenge delay tactics, and, if needed, push for a structured settlement agreement reached — outcomes in our files include results up to 2.49M.
• ❓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 structured settlement agreement reached. Our case histories include results such as 1.22M. The goal is simple: fair compensation for your losses in Elizabeth.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Elizabeth allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like liver laceration. Don’t accept “The medical records aren’t sufficient.” at face value.