General Personal Injury FAQs — Richwood

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Patriot Insurance) often second-guess medical care to cut payouts. For clients such as a construction worker hit on site with femoral shaft fracture, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “The at-fault driver’s policy may be void..” Can a Richwood personal injury lawyer still help?
  Yes. Adjusters regularly say “The at-fault driver’s policy may be void.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Horace Mann. If they won’t deal fairly, we prepare for a compensation awarded during mediation process and pursue full compensation.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Richwood allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like vertebral fracture. Don’t accept “We’re still investigating liability.” at face value.
• ❓What should I do if Stillwater Insurance says “We have to confirm if your policy was active.” after my Richwood crash?
  Insurers like Stillwater Insurance often use lines such as “We have to confirm if your policy was active.” to stall or minimize claims. Even injuries like vertebroplasty or kyphoplasty can be life-changing. In Richwood, we gather medical proof, challenge delay tactics, and, if needed, push for a case concluded with settlement in 4th Judicial District Court — outcomes in our files include results up to 1.02M.
• ❓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 4th Judicial District Court. Our case histories include results such as 1.33M. The goal is simple: fair compensation for your losses in Richwood.
• ❓Will a gap in my medical care ruin my case in Richwood?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We need an independent medical examination.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.