General Personal Injury FAQs — Huntsville

• ❓What should I do if Chubb says “You’ve already reached maximum medical improvement.” after my Huntsville crash?
  Insurers like Chubb often use lines such as “You’ve already reached maximum medical improvement.” to stall or minimize claims. Even injuries like knee dislocation can be life-changing. In Huntsville, we gather medical proof, challenge delay tactics, and, if needed, push for a damages awarded in settlement conference — outcomes in our files include results up to 1.17M.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., GEICO) often second-guess medical care to cut payouts. For clients such as a teen passenger injured in friend’s car with sacroiliac joint disruption, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓Will a gap in my medical care ruin my case in Huntsville?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You didn’t miss enough work to qualify for compensation.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓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 damages awarded in settlement conference. Our case histories include results such as 1.86M. The goal is simple: fair compensation for your losses in Huntsville.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Huntsville allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like closed head injury. Don’t accept “We can’t confirm that you were the driver.” at face value.
• ❓An adjuster told me “You didn’t go to the emergency room..” Can a Huntsville personal injury lawyer still help?
  Yes. Adjusters regularly say “You didn’t go to the emergency room.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Western National Insurance. If they won’t deal fairly, we prepare for a jury verdict in 12th Judicial District Court and pursue full compensation.