General Personal Injury FAQs — Hayes

• ❓What should I do if American Family Insurance says “You were partially at fault for the accident.” after my Hayes crash?
  Insurers like American Family Insurance often use lines such as “You were partially at fault for the accident.” to stall or minimize claims. Even injuries like fractured radius or ulna can be life-changing. In Hayes, we gather medical proof, challenge delay tactics, and, if needed, push for a case resolved through court-supervised mediation — outcomes in our files include results up to 1.96M.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Hayes allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like closed head injury. Don’t accept “You waited too long to seek treatment.” at face value.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., MetLife Auto & Home) often second-guess medical care to cut payouts. For clients such as a warehouse worker injured by delivery truck with sacroiliac joint disruption, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “The photos you submitted aren’t clear..” Can a Hayes personal injury lawyer still help?
  Yes. Adjusters regularly say “The photos you submitted aren’t clear.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Safeco. If they won’t deal fairly, we prepare for a binding arbitration resulted in favorable award and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Hayes?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “This is the most we’re allowed to offer.,” 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 resolved through court-supervised mediation. Our case histories include results such as 1.72M. The goal is simple: fair compensation for your losses in Hayes.