General Personal Injury FAQs — Putnam

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Foremost Insurance) often second-guess medical care to cut payouts. For clients such as a warehouse worker injured by delivery truck with hemothorax, 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 Putnam?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The bills are higher than reasonable market value.,” 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 out-of-court settlement following litigation. Our case histories include results such as 1.37M. The goal is simple: fair compensation for your losses in Putnam.
• ❓What should I do if American Strategic Insurance says “We can’t verify your medical provider’s credentials.” after my Putnam crash?
  Insurers like American Strategic Insurance often use lines such as “We can’t verify your medical provider’s credentials.” to stall or minimize claims. Even injuries like multilevel spinal fracture can be life-changing. In Putnam, we gather medical proof, challenge delay tactics, and, if needed, push for a out-of-court settlement following litigation — outcomes in our files include results up to 947K.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Putnam allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like severe concussion. Don’t accept “You didn’t notify us within the required time frame.” at face value.
• ❓An adjuster told me “The policyholder wasn’t clearly at fault..” Can a Putnam personal injury lawyer still help?
  Yes. Adjusters regularly say “The policyholder wasn’t clearly at fault.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Safeco. If they won’t deal fairly, we prepare for a case concluded with settlement in 42nd Judicial District Court and pursue full compensation.