General Personal Injury FAQs — China

• ❓What should I do if Allstate says “We believe the claim is inflated.” after my China crash?
  Insurers like Allstate often use lines such as “We believe the claim is inflated.” to stall or minimize claims. Even injuries like paralysis (partial or complete) can be life-changing. In China, we gather medical proof, challenge delay tactics, and, if needed, push for a binding arbitration resulted in favorable award — outcomes in our files include results up to 745K.
• ❓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 binding arbitration resulted in favorable award. Our case histories include results such as 1.3M. The goal is simple: fair compensation for your losses in China.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in China allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like basilar skull fracture. Don’t accept “We’re still investigating liability.” at face value.
• ❓Will a gap in my medical care ruin my case in China?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The collision was too minor to cause injury.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “You saw a chiropractor, not a medical doctor..” Can a China 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 National General. If they won’t deal fairly, we prepare for a case concluded with settlement in 60th Judicial District Court and pursue full compensation.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Travelers) often second-guess medical care to cut payouts. For clients such as a motorcyclist with radial head fracture, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.