General Personal Injury FAQs — Commerce

• ❓An adjuster told me “Our evaluation doesn’t match your claim..” Can a Commerce personal injury lawyer still help?
  Yes. Adjusters regularly say “Our evaluation doesn’t match your claim.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Grange Insurance. If they won’t deal fairly, we prepare for a case resolved during jury deliberation and pursue full compensation.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Chubb) often second-guess medical care to cut payouts. For clients such as a commuter hit in parking garage with arterial dissection from trauma, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if Auto-Owners Insurance says “We haven’t completed our medical review yet.” after my Commerce crash?
  Insurers like Auto-Owners Insurance often use lines such as “We haven’t completed our medical review yet.” to stall or minimize claims. Even injuries like loss of functional independence can be life-changing. In Commerce, 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 2.05M.
• ❓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 710K. The goal is simple: fair compensation for your losses in Commerce.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Commerce allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like multiple rib fractures. Don’t accept “You saw a chiropractor, not a medical doctor.” at face value.
• ❓Will a gap in my medical care ruin my case in Commerce?
  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.