General Personal Injury FAQs — Elgin

• ❓Will a gap in my medical care ruin my case in Elgin?
  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 a supervisor’s approval.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓What should I do if NJM Insurance Group says “The at-fault driver’s policy may be void.” after my Elgin crash?
  Insurers like NJM Insurance Group often use lines such as “The at-fault driver’s policy may be void.” to stall or minimize claims. Even injuries like fractured tibia or fibula can be life-changing. In Elgin, 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 710K.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Elgin allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like cranial fracture with cerebrospinal fluid leak. Don’t accept “We have to confirm if your policy was active.” at face value.
• ❓An adjuster told me “You can’t prove emotional distress..” Can a Elgin personal injury lawyer still help?
  Yes. Adjusters regularly say “You can’t prove emotional distress.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Progressive. If they won’t deal fairly, we prepare for a verdict rendered after trial in 423rd Judicial District Court and pursue full compensation.
• ❓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 2.16M. The goal is simple: fair compensation for your losses in Elgin.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Alpha Property & Casualty) often second-guess medical care to cut payouts. For clients such as a mail carrier hit in residential area with multiple rib fractures, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.