General Personal Injury FAQs — Ramos

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., ACCC Insurance Company) often second-guess medical care to cut payouts. For clients such as a child struck exiting school bus with closed head injury, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if Direct Auto Insurance says “The vehicle damage was minor.” after my Ramos crash?
  Insurers like Direct Auto Insurance often use lines such as “The vehicle damage was minor.” to stall or minimize claims. Even injuries like traumatic brain swelling can be life-changing. In Ramos, we gather medical proof, challenge delay tactics, and, if needed, push for a binding arbitration resulted in favorable award — outcomes in our files include results up to 1.24M.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Ramos allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like carotid artery injury. Don’t accept “We haven’t received your bills yet.” at face value.
• ❓Will a gap in my medical care ruin my case in Ramos?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “There are inconsistencies in your account.,” 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 binding arbitration resulted in favorable award. Our case histories include results such as 1.86M. The goal is simple: fair compensation for your losses in Ramos.
• ❓An adjuster told me “You didn’t go to the emergency room..” Can a Ramos personal injury lawyer still help?
  Yes. Adjusters regularly say “You didn’t go to the emergency room.,” 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.