General Personal Injury FAQs — St Joseph

• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in St Joseph allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like brain herniation. Don’t accept “You didn’t follow doctor’s orders.” at face value.
• ❓Will a gap in my medical care ruin my case in St Joseph?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We haven’t completed our medical review yet.,” 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 six-figure settlement finalized in 6th Judicial District Court. Our case histories include results such as 1.38M. The goal is simple: fair compensation for your losses in St Joseph.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., GuideOne Insurance) often second-guess medical care to cut payouts. For clients such as a cyclist hit by delivery van with repetitive orthopedic surgeries post-crash, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if MetLife Auto & Home says “There’s a coverage issue we’re reviewing.” after my St Joseph crash?
  Insurers like MetLife Auto & Home often use lines such as “There’s a coverage issue we’re reviewing.” to stall or minimize claims. Even injuries like disfiguring limb deformity can be life-changing. In St Joseph, we gather medical proof, challenge delay tactics, and, if needed, push for a six-figure settlement finalized in 6th Judicial District Court — outcomes in our files include results up to 869K.
• ❓An adjuster told me “There’s a question about your seatbelt use..” Can a St Joseph personal injury lawyer still help?
  Yes. Adjusters regularly say “There’s a question about your seatbelt use.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Root Insurance. If they won’t deal fairly, we prepare for a jury award issued in civil trial at 6th Judicial District Court and pursue full compensation.