General Personal Injury FAQs — Sibley

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., American Strategic Insurance) often second-guess medical care to cut payouts. For clients such as a agriculture worker hit by machinery with fusion of multiple spinal levels, 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 Sibley allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like temporal bone fracture. Don’t accept “The provider overcharged for services.” at face value.
• ❓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 jury returned a favorable verdict in 26th Judicial District Court. Our case histories include results such as 1.32M. The goal is simple: fair compensation for your losses in Sibley.
• ❓Will a gap in my medical care ruin my case in Sibley?
  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 follow doctor’s orders.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓What should I do if Chubb says “We don’t believe the vehicle speed contributed.” after my Sibley crash?
  Insurers like Chubb often use lines such as “We don’t believe the vehicle speed contributed.” to stall or minimize claims. Even injuries like jaw fracture (mandibular) can be life-changing. In Sibley, we gather medical proof, challenge delay tactics, and, if needed, push for a jury returned a favorable verdict in 26th Judicial District Court — outcomes in our files include results up to 1.72M.
• ❓An adjuster told me “We can’t verify your medical provider’s credentials..” Can a Sibley personal injury lawyer still help?
  Yes. Adjusters regularly say “We can’t verify your medical provider’s credentials.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like MetLife Auto & Home. If they won’t deal fairly, we prepare for a settlement secured after expert testimony in 26th Judicial District Court and pursue full compensation.