General Personal Injury FAQs — Bay City

• ❓Will a gap in my medical care ruin my case in Bay City?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The treatment timeline doesn’t make sense.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓What should I do if ACCC Insurance Company says “Your injuries were pre-existing.” after my Bay City crash?
  Insurers like ACCC Insurance Company often use lines such as “Your injuries were pre-existing.” to stall or minimize claims. Even injuries like degenerative changes from trauma can be life-changing. In Bay City, we gather medical proof, challenge delay tactics, and, if needed, push for a case concluded with settlement in 23rd Judicial District Court — outcomes in our files include results up to 775K.
• ❓An adjuster told me “You saw a chiropractor, not a medical doctor..” Can a Bay City 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 Loya Insurance Group. If they won’t deal fairly, we prepare for a jury award issued in civil trial at 23rd 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 case concluded with settlement in 23rd Judicial District Court. Our case histories include results such as 1.37M. The goal is simple: fair compensation for your losses in Bay City.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Bay City allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like laryngeal fracture. Don’t accept “The police report is inconclusive.” at face value.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Allstate) often second-guess medical care to cut payouts. For clients such as a nursing home resident with injury requiring bone grafting, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.