General Personal Injury FAQs — Hartley

• ❓Will a gap in my medical care ruin my case in Hartley?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We can’t confirm that you were the driver.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Hartley allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like fractured radius or ulna. Don’t accept “The policyholder wasn’t clearly at fault.” at face value.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., NJM Insurance Group) often second-guess medical care to cut payouts. For clients such as a nursing home resident with carotid artery injury, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓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 judge’s damages award following bench trial. Our case histories include results such as 708K. The goal is simple: fair compensation for your losses in Hartley.
• ❓An adjuster told me “We need to confirm your insurance coverage..” Can a Hartley personal injury lawyer still help?
  Yes. Adjusters regularly say “We need to confirm your insurance coverage.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Bristol West Insurance Group. If they won’t deal fairly, we prepare for a structured settlement agreement reached and pursue full compensation.
• ❓What should I do if Travelers says “We don’t believe the treatment was necessary.” after my Hartley crash?
  Insurers like Travelers often use lines such as “We don’t believe the treatment was necessary.” to stall or minimize claims. Even injuries like hearing loss due to head impact can be life-changing. In Hartley, we gather medical proof, challenge delay tactics, and, if needed, push for a judge’s damages award following bench trial — outcomes in our files include results up to 1.25M.