General Personal Injury FAQs — Miami

• ❓What should I do if Safeco says “There’s a coverage issue we’re reviewing.” after my Miami crash?
  Insurers like Safeco often use lines such as “There’s a coverage issue we’re reviewing.” to stall or minimize claims. Even injuries like fractured radius or ulna can be life-changing. In Miami, we gather medical proof, challenge delay tactics, and, if needed, push for a settlement reached before trial in 31st Judicial District Court — outcomes in our files include results up to 708K.
• ❓Will a gap in my medical care ruin my case in Miami?
  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 go to the emergency room.,” 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., Auto-Owners Insurance) often second-guess medical care to cut payouts. For clients such as a driver hit at railroad crossing with extensor tendon injury, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “The treatment timeline doesn’t make sense..” Can a Miami personal injury lawyer still help?
  Yes. Adjusters regularly say “The treatment timeline doesn’t make sense.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like ACCC Insurance Company. If they won’t deal fairly, we prepare for a jury award issued in civil trial at 31st 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 settlement reached before trial in 31st Judicial District Court. Our case histories include results such as 1.72M. The goal is simple: fair compensation for your losses in Miami.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Miami allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like paralysis (partial or complete). Don’t accept “The provider overcharged for services.” at face value.