General Personal Injury FAQs — Josephine

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Horace Mann) often second-guess medical care to cut payouts. For clients such as a commuter hit in crosswalk with femoral shaft fracture, 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 Josephine?
  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 verify your medical provider’s credentials.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “You didn’t provide a recorded statement..” Can a Josephine personal injury lawyer still help?
  Yes. Adjusters regularly say “You didn’t provide a recorded statement.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Dairyland Insurance. If they won’t deal fairly, we prepare for a settlement reached post-verdict in 494th 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 case resolved during jury deliberation. Our case histories include results such as 1.36M. The goal is simple: fair compensation for your losses in Josephine.
• ❓What should I do if Direct Auto Insurance says “The policyholder wasn’t clearly at fault.” after my Josephine crash?
  Insurers like Direct Auto Insurance often use lines such as “The policyholder wasn’t clearly at fault.” to stall or minimize claims. Even injuries like cranial nerve damage can be life-changing. In Josephine, we gather medical proof, challenge delay tactics, and, if needed, push for a case resolved during jury deliberation — outcomes in our files include results up to 1.14M.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Josephine allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like hip replacement due to trauma. Don’t accept “The provider overcharged for services.” at face value.