General Personal Injury FAQs — Prosper

• ❓What should I do if Stillwater Insurance says “You were partially at fault for the accident.” after my Prosper crash?
  Insurers like Stillwater Insurance often use lines such as “You were partially at fault for the accident.” to stall or minimize claims. Even injuries like distal radius fracture can be life-changing. In Prosper, we gather medical proof, challenge delay tactics, and, if needed, push for a case settled during mediation — outcomes in our files include results up to 2.01M.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Allstate) often second-guess medical care to cut payouts. For clients such as a passenger injured by bus driver with median nerve compression 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 collision was too minor to cause injury..” Can a Prosper personal injury lawyer still help?
  Yes. Adjusters regularly say “The collision was too minor to cause injury.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Mercury Insurance. If they won’t deal fairly, we prepare for a judge’s damages award following bench trial and pursue full compensation.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Prosper allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like dislocated patella. Don’t accept “You didn’t go to the emergency room.” at face value.
• ❓Will a gap in my medical care ruin my case in Prosper?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You’re not permanently impaired.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓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 settled during mediation. Our case histories include results such as 2.04M. The goal is simple: fair compensation for your losses in Prosper.