General Personal Injury FAQs — Mertens

• ❓An adjuster told me “There are inconsistencies in your account..” Can a Mertens personal injury lawyer still help?
  Yes. Adjusters regularly say “There are inconsistencies in your account.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Stillwater Insurance. If they won’t deal fairly, we prepare for a damages awarded in settlement conference 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 multi-million dollar verdict from 66th Judicial District Court. Our case histories include results such as 860K. The goal is simple: fair compensation for your losses in Mertens.
• ❓What should I do if Chubb says “There’s a question about your seatbelt use.” after my Mertens crash?
  Insurers like Chubb often use lines such as “There’s a question about your seatbelt use.” to stall or minimize claims. Even injuries like arterial dissection from trauma can be life-changing. In Mertens, we gather medical proof, challenge delay tactics, and, if needed, push for a multi-million dollar verdict from 66th Judicial District Court — outcomes in our files include results up to 1.67M.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Mertens allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like fracture of the talus. Don’t accept “There are inconsistencies in your account.” at face value.
• ❓Will a gap in my medical care ruin my case in Mertens?
  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 evaluating liability with our insured.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Stillwater Insurance) often second-guess medical care to cut payouts. For clients such as a driver hit by uninsured motorist with midfoot dislocation, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.