General Personal Injury FAQs — La Paloma

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., ACCC Insurance Company) often second-guess medical care to cut payouts. For clients such as a bicyclist with cervical disc replacement, 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 La Paloma?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You saw a chiropractor, not a medical doctor.,” 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 La Paloma allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like foot or toe fracture. Don’t accept “The pain you’re describing is subjective.” at face value.
• ❓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 pre-trial settlement in 138th Judicial District Court. Our case histories include results such as 2.2M. The goal is simple: fair compensation for your losses in La Paloma.
• ❓What should I do if Chubb says “We have to confirm if your policy was active.” after my La Paloma crash?
  Insurers like Chubb often use lines such as “We have to confirm if your policy was active.” to stall or minimize claims. Even injuries like cervical disc replacement can be life-changing. In La Paloma, we gather medical proof, challenge delay tactics, and, if needed, push for a pre-trial settlement in 138th Judicial District Court — outcomes in our files include results up to 1.29M.
• ❓An adjuster told me “The bills are higher than reasonable market value..” Can a La Paloma personal injury lawyer still help?
  Yes. Adjusters regularly say “The bills are higher than reasonable market value.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like California Casualty. If they won’t deal fairly, we prepare for a final trial award rendered by 138th Judicial District Court and pursue full compensation.