General Personal Injury FAQs — Ricardo

• ❓An adjuster told me “The pain you’re describing is subjective..” Can a Ricardo personal injury lawyer still help?
  Yes. Adjusters regularly say “The pain you’re describing is subjective.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like GEICO. If they won’t deal fairly, we prepare for a award confirmed during arbitration 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 award confirmed during arbitration. Our case histories include results such as 1.36M. The goal is simple: fair compensation for your losses in Ricardo.
• ❓Will a gap in my medical care ruin my case in Ricardo?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We haven’t received your bills yet.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Ricardo allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like scapula fracture. Don’t accept “The pain you’re describing is subjective.” at face value.
• ❓What should I do if MetLife Auto & Home says “This is the most we’re allowed to offer.” after my Ricardo crash?
  Insurers like MetLife Auto & Home often use lines such as “This is the most we’re allowed to offer.” to stall or minimize claims. Even injuries like traumatic ear drum rupture can be life-changing. In Ricardo, we gather medical proof, challenge delay tactics, and, if needed, push for a award confirmed during arbitration — outcomes in our files include results up to 2.45M.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., The Hartford) often second-guess medical care to cut payouts. For clients such as a child pedestrian with pelvic ring disruption, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.