General Personal Injury FAQs — Hammond

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Penn National Insurance) often second-guess medical care to cut payouts. For clients such as a mail carrier hit in residential area with cervical disc replacement, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Hammond allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like implantation of pain pump. Don’t accept “You waited too long to seek treatment.” at face value.
• ❓What should I do if Safeco says “Your injury doesn’t meet our definition of serious.” after my Hammond crash?
  Insurers like Safeco often use lines such as “Your injury doesn’t meet our definition of serious.” to stall or minimize claims. Even injuries like plantar fascia rupture can be life-changing. In Hammond, we gather medical proof, challenge delay tactics, and, if needed, push for a case concluded with settlement in 21st Judicial District Court — outcomes in our files include results up to 955K.
• ❓An adjuster told me “You didn’t notify us within the required time frame..” Can a Hammond personal injury lawyer still help?
  Yes. Adjusters regularly say “You didn’t notify us within the required time frame.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Western National Insurance. If they won’t deal fairly, we prepare for a settlement reached post-verdict in 21st Judicial District Court and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Hammond?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “There’s insufficient evidence of impact severity.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓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 concluded with settlement in 21st Judicial District Court. Our case histories include results such as 1.52M. The goal is simple: fair compensation for your losses in Hammond.