General Personal Injury FAQs — Richmond

• ❓Will a gap in my medical care ruin my case in Richmond?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You didn’t provide a recorded statement.,” 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., Dairyland Insurance) often second-guess medical care to cut payouts. For clients such as a warehouse worker injured by delivery truck with tarsal bone fracture, 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 Richmond allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like carotid artery injury. Don’t accept “The at-fault driver’s policy may be void.” at face value.
• ❓An adjuster told me “You didn’t miss enough work to qualify for compensation..” Can a Richmond personal injury lawyer still help?
  Yes. Adjusters regularly say “You didn’t miss enough work to qualify for compensation.,” 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 case concluded with settlement in 6th 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 case settled during mediation. Our case histories include results such as 880K. The goal is simple: fair compensation for your losses in Richmond.
• ❓What should I do if Clearcover says “We have to confirm if your policy was active.” after my Richmond crash?
  Insurers like Clearcover often use lines such as “We have to confirm if your policy was active.” to stall or minimize claims. Even injuries like posterior hip dislocation can be life-changing. In Richmond, we gather medical proof, challenge delay tactics, and, if needed, push for a case settled during mediation — outcomes in our files include results up to 2.15M.