General Personal Injury FAQs — Elgin

• ❓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 posterior interosseous nerve injury. Don’t accept “You can’t prove emotional distress.” at face value.
• ❓What should I do if Travelers says “You’ve already reached maximum medical improvement.” after my Elgin crash?
  Insurers like Travelers often use lines such as “You’ve already reached maximum medical improvement.” to stall or minimize claims. Even injuries like radial head fracture can be life-changing. In Elgin, we gather medical proof, challenge delay tactics, and, if needed, push for a binding arbitration resulted in favorable award — outcomes in our files include results up to 1.38M.
• ❓An adjuster told me “You’ve already reached maximum medical improvement..” Can a Elgin personal injury lawyer still help?
  Yes. Adjusters regularly say “You’ve already reached maximum medical improvement.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Amica Mutual. If they won’t deal fairly, we prepare for a judge’s damages award following bench trial 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 binding arbitration resulted in favorable award. Our case histories include results such as 2.2M. The goal is simple: fair compensation for your losses in 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 “Your injury doesn’t meet our definition of serious.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Safe Auto Insurance) often second-guess medical care to cut payouts. For clients such as a passenger in rollover crash with severe concussion, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.