General Personal Injury FAQs — Garfield

• ❓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 six-figure settlement finalized in 201st Judicial District Court. Our case histories include results such as 708K. The goal is simple: fair compensation for your losses in Garfield.
• ❓What should I do if Loya Insurance Group says “There’s a gap in your medical care.” after my Garfield crash?
  Insurers like Loya Insurance Group often use lines such as “There’s a gap in your medical care.” to stall or minimize claims. Even injuries like knee replacement after accident can be life-changing. In Garfield, we gather medical proof, challenge delay tactics, and, if needed, push for a six-figure settlement finalized in 201st Judicial District Court — outcomes in our files include results up to 1.85M.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Infinity Insurance) often second-guess medical care to cut payouts. For clients such as a commercial van driver with complex regional pain syndrome, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Garfield allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like radial head fracture. Don’t accept “You saw a chiropractor, not a medical doctor.” at face value.
• ❓An adjuster told me “Our evaluation doesn’t match your claim..” Can a Garfield 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 Nationwide. If they won’t deal fairly, we prepare for a final judgment entered by 201st Judicial District Court and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Garfield?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We need an independent medical examination.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.