General Personal Injury FAQs — Swartz

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Westfield Insurance) often second-guess medical care to cut payouts. For clients such as a commuter hit in parking garage with TMJ dysfunction from impact, 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 Swartz allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like torn Achilles tendon. Don’t accept “The at-fault driver’s policy may be void.” at face value.
• ❓An adjuster told me “You didn’t go to the emergency room..” Can a Swartz personal injury lawyer still help?
  Yes. Adjusters regularly say “You didn’t go to the emergency room.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Alpha Property & Casualty. If they won’t deal fairly, we prepare for a final trial award rendered by 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 binding arbitration resulted in favorable award. Our case histories include results such as 1.79M. The goal is simple: fair compensation for your losses in Swartz.
• ❓Will a gap in my medical care ruin my case in Swartz?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We need more documentation.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓What should I do if AssuranceAmerica says “You didn’t notify us within the required time frame.” after my Swartz crash?
  Insurers like AssuranceAmerica often use lines such as “You didn’t notify us within the required time frame.” to stall or minimize claims. Even injuries like mandibular nerve injury can be life-changing. In Swartz, we gather medical proof, challenge delay tactics, and, if needed, push for a binding arbitration resulted in favorable award — outcomes in our files include results up to 2.28M.