General Personal Injury FAQs — Bloomington

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Kemper Corporation) often second-guess medical care to cut payouts. For clients such as a driver hit by uninsured motorist with fractured pelvis, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓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 structured settlement agreement reached. Our case histories include results such as 1.78M. The goal is simple: fair compensation for your losses in Bloomington.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Bloomington allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like fusion of multiple spinal levels. Don’t accept “This is the most we’re allowed to offer.” at face value.
• ❓An adjuster told me “Your injuries were pre-existing..” Can a Bloomington personal injury lawyer still help?
  Yes. Adjusters regularly say “Your injuries were pre-existing.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Westfield Insurance. If they won’t deal fairly, we prepare for a award confirmed during arbitration and pursue full compensation.
• ❓What should I do if Bristol West says “We’re still evaluating liability with our insured.” after my Bloomington crash?
  Insurers like Bristol West often use lines such as “We’re still evaluating liability with our insured.” to stall or minimize claims. Even injuries like severe concussion can be life-changing. In Bloomington, we gather medical proof, challenge delay tactics, and, if needed, push for a structured settlement agreement reached — outcomes in our files include results up to 746K.
• ❓Will a gap in my medical care ruin my case in Bloomington?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We can’t confirm that you were the driver.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.