General Personal Injury FAQs — Ames

• ❓What should I do if GEICO says “We need an independent medical examination.” after my Ames crash?
  Insurers like GEICO often use lines such as “We need an independent medical examination.” to stall or minimize claims. Even injuries like vertebral fracture can be life-changing. In Ames, we gather medical proof, challenge delay tactics, and, if needed, push for a verdict rendered after trial in 253rd Judicial District Court — outcomes in our files include results up to 2.44M.
• ❓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 verdict rendered after trial in 253rd Judicial District Court. Our case histories include results such as 1.81M. The goal is simple: fair compensation for your losses in Ames.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Ames allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like carotid artery injury. Don’t accept “There’s insufficient evidence of impact severity.” at face value.
• ❓An adjuster told me “You saw a chiropractor, not a medical doctor..” Can a Ames personal injury lawyer still help?
  Yes. Adjusters regularly say “You saw a chiropractor, not a medical doctor.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Farmers Insurance. If they won’t deal fairly, we prepare for a structured settlement agreement reached and pursue full compensation.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., USAA) often second-guess medical care to cut payouts. For clients such as a nursing home resident with cerebral contusion, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓Will a gap in my medical care ruin my case in Ames?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We believe the claim is inflated.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.