General Personal Injury FAQs — Clarendon

• ❓What should I do if Chubb says “You saw a chiropractor, not a medical doctor.” after my Clarendon crash?
  Insurers like Chubb often use lines such as “You saw a chiropractor, not a medical doctor.” to stall or minimize claims. Even injuries like vertebral fracture can be life-changing. In Clarendon, we gather medical proof, challenge delay tactics, and, if needed, push for a compensation awarded during mediation process — outcomes in our files include results up to 1.17M.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Clarendon allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like cranial nerve damage. Don’t accept “We’re still evaluating liability with our insured.” at face value.
• ❓Will a gap in my medical care ruin my case in Clarendon?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You didn’t go to the emergency room.,” 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 compensation awarded during mediation process. Our case histories include results such as 912K. The goal is simple: fair compensation for your losses in Clarendon.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Clearcover) often second-guess medical care to cut payouts. For clients such as a passenger struck in side-impact collision with scarring after reconstructive surgery, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “The police report is inconclusive..” Can a Clarendon personal injury lawyer still help?
  Yes. Adjusters regularly say “The police report is inconclusive.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like AssuranceAmerica. If they won’t deal fairly, we prepare for a jury award issued in civil trial at 100th Judicial District Court and pursue full compensation.