General Personal Injury FAQs — Merkel

• ❓An adjuster told me “We’re waiting on a supervisor’s approval..” Can a Merkel personal injury lawyer still help?
  Yes. Adjusters regularly say “We’re waiting on a supervisor’s approval.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Penn National Insurance. If they won’t deal fairly, we prepare for a case concluded with settlement in 42nd Judicial District Court and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Merkel?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We’re still investigating liability.,” 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 Merkel 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 “You saw a chiropractor, not a medical doctor.” at face value.
• ❓What should I do if NJM Insurance Group says “The bills are higher than reasonable market value.” after my Merkel crash?
  Insurers like NJM Insurance Group often use lines such as “The bills are higher than reasonable market value.” to stall or minimize claims. Even injuries like degenerative disc disease from trauma can be life-changing. In Merkel, we gather medical proof, challenge delay tactics, and, if needed, push for a plaintiff verdict reached after closing arguments — outcomes in our files include results up to 1.93M.
• ❓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 plaintiff verdict reached after closing arguments. Our case histories include results such as 2.21M. The goal is simple: fair compensation for your losses in Merkel.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Esurance) often second-guess medical care to cut payouts. For clients such as a passenger injured by bus driver with neurogenic bladder, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.