General Personal Injury FAQs — Saginaw

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., American Family Insurance) often second-guess medical care to cut payouts. For clients such as a driver hit by uninsured motorist with scarring after reconstructive surgery, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Saginaw allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like metacarpal fracture. Don’t accept “There’s insufficient evidence of impact severity.” at face value.
• ❓What should I do if Liberty Mutual says “We have to confirm if your policy was active.” after my Saginaw crash?
  Insurers like Liberty Mutual often use lines such as “We have to confirm if your policy was active.” to stall or minimize claims. Even injuries like burst vertebral fracture can be life-changing. In Saginaw, we gather medical proof, challenge delay tactics, and, if needed, push for a verdict rendered after trial in 360th Judicial District Court — outcomes in our files include results up to 949K.
• ❓Will a gap in my medical care ruin my case in Saginaw?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The policyholder wasn’t clearly at fault.,” 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 verdict rendered after trial in 360th Judicial District Court. Our case histories include results such as 2.34M. The goal is simple: fair compensation for your losses in Saginaw.
• ❓An adjuster told me “We need to confirm your insurance coverage..” Can a Saginaw personal injury lawyer still help?
  Yes. Adjusters regularly say “We need to confirm your insurance coverage.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Western National Insurance. If they won’t deal fairly, we prepare for a jury awarded damages in 360th Judicial District Court and pursue full compensation.