General Personal Injury FAQs — Carlsbad

• ❓What should I do if MetLife Auto & Home says “You were partially at fault for the accident.” after my Carlsbad crash?
  Insurers like MetLife Auto & Home often use lines such as “You were partially at fault for the accident.” to stall or minimize claims. Even injuries like torn Achilles tendon can be life-changing. In Carlsbad, we gather medical proof, challenge delay tactics, and, if needed, push for a final judgment entered by 340th Judicial District Court — outcomes in our files include results up to 1.81M.
• ❓An adjuster told me “You didn’t provide a recorded statement..” Can a Carlsbad personal injury lawyer still help?
  Yes. Adjusters regularly say “You didn’t provide a recorded statement.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like NJM Insurance Group. If they won’t deal fairly, we prepare for a award confirmed during arbitration and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Carlsbad?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The police report is inconclusive.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓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 final judgment entered by 340th Judicial District Court. Our case histories include results such as 2.04M. The goal is simple: fair compensation for your losses in Carlsbad.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Carlsbad allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like cervical disc replacement. Don’t accept “Your injuries were pre-existing.” at face value.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Bristol West) often second-guess medical care to cut payouts. For clients such as a jogger with brain stem injury, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.