General Personal Injury FAQs — Chula Vista

• ❓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 extensor tendon injury. Don’t accept “The photos you submitted aren’t clear.” at face value.
• ❓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 “We’re waiting on statements from witnesses.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓What should I do if Nationwide says “The provider overcharged for services.” after my Chula Vista crash?
  Insurers like Nationwide often use lines such as “The provider overcharged for services.” to stall or minimize claims. Even injuries like fractured tibia or fibula can be life-changing. In Chula Vista, we gather medical proof, challenge delay tactics, and, if needed, push for a judge’s damages award following bench trial — outcomes in our files include results up to 1.95M.
• ❓An adjuster told me “The vehicle damage was minor..” Can a Chula Vista personal injury lawyer still help?
  Yes. Adjusters regularly say “The vehicle damage was minor.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like GEICO. If they won’t deal fairly, we prepare for a award granted by judge in 404th Judicial District Court and pursue full compensation.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Loya Insurance Group) often second-guess medical care to cut payouts. For clients such as a restaurant delivery driver 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 judge’s damages award following bench trial. Our case histories include results such as 1.87M. The goal is simple: fair compensation for your losses in Chula Vista.