General Personal Injury FAQs — Chula Vista

• ❓What should I do if Bristol West says “The bills are higher than reasonable market value.” after my Chula Vista crash?
  Insurers like Bristol West often use lines such as “The bills are higher than reasonable market value.” to stall or minimize claims. Even injuries like nasal bone fracture can be life-changing. In Chula Vista, we gather medical proof, challenge delay tactics, and, if needed, push for a multi-million dollar verdict from 479th Judicial District Court — outcomes in our files include results up to 900K.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Direct Auto Insurance) often second-guess medical care to cut payouts. For clients such as a parent injured while transporting child with skull fracture, 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 multi-million dollar verdict from 479th Judicial District Court. Our case histories include results such as 2.49M. The goal is simple: fair compensation for your losses in Chula Vista.
• ❓Will a gap in my medical care ruin my case in Chula Vista?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The vehicle damage was minor.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “There’s a coverage issue we’re reviewing..” Can a Chula Vista personal injury lawyer still help?
  Yes. Adjusters regularly say “There’s a coverage issue we’re reviewing.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Elephant Insurance. If they won’t deal fairly, we prepare for a award granted by judge in 479th Judicial District Court and pursue full compensation.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Chula Vista allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like fractured radius or ulna. Don’t accept “We’re waiting on a supervisor’s approval.” at face value.