General Personal Injury FAQs — Alton

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Direct Auto Insurance) often second-guess medical care to cut payouts. For clients such as a child struck exiting school bus with closed pelvic ring fracture, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if Loya Insurance Group says “We need to confirm your insurance coverage.” after my Alton crash?
  Insurers like Loya Insurance Group often use lines such as “We need to confirm your insurance coverage.” to stall or minimize claims. Even injuries like retinal detachment can be life-changing. In Alton, we gather medical proof, challenge delay tactics, and, if needed, push for a award confirmed during arbitration — outcomes in our files include results up to 2.43M.
• ❓An adjuster told me “We’re waiting on a supervisor’s approval..” Can a Alton personal injury lawyer still help?
  Yes. Adjusters regularly say “We’re waiting on a supervisor’s approval.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Elephant Insurance. If they won’t deal fairly, we prepare for a plaintiff verdict reached after closing arguments and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Alton?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “There’s a coverage issue we’re reviewing.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Alton allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like burst vertebral fracture. Don’t accept “The at-fault driver’s policy may be void.” 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 award confirmed during arbitration. Our case histories include results such as 880K. The goal is simple: fair compensation for your losses in Alton.