General Personal Injury FAQs — Oak Ridge

• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Oak Ridge allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like burns (2nd or 3rd degree). Don’t accept “The policyholder wasn’t clearly at fault.” at face value.
• ❓Will a gap in my medical care ruin my case in Oak Ridge?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The medical records aren’t sufficient.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓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 e-bike rider with loss of limb (amputation), we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if Unitrin Insurance says “We’re waiting on a supervisor’s approval.” after my Oak Ridge crash?
  Insurers like Unitrin Insurance often use lines such as “We’re waiting on a supervisor’s approval.” to stall or minimize claims. Even injuries like knee replacement after accident can be life-changing. In Oak Ridge, we gather medical proof, challenge delay tactics, and, if needed, push for a settlement approved in 4th Judicial District Court — outcomes in our files include results up to 758K.
• ❓An adjuster told me “We have to confirm if your policy was active..” Can a Oak Ridge personal injury lawyer still help?
  Yes. Adjusters regularly say “We have to confirm if your policy was active.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like State Farm. If they won’t deal fairly, we prepare for a award granted by judge in 4th 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 settlement approved in 4th Judicial District Court. Our case histories include results such as 2.3M. The goal is simple: fair compensation for your losses in Oak Ridge.