General Personal Injury FAQs — San Diego

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Homesite Insurance) often second-guess medical care to cut payouts. For clients such as a injured carpool passenger with traumatic brain swelling, 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 San Diego?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The medical records aren’t sufficient.,” 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 San Diego allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like loss of limb (amputation). Don’t accept “The policyholder wasn’t clearly at fault.” at face value.
• ❓What should I do if Safeco says “You didn’t miss enough work to qualify for compensation.” after my San Diego crash?
  Insurers like Safeco often use lines such as “You didn’t miss enough work to qualify for compensation.” to stall or minimize claims. Even injuries like brachial plexus injury can be life-changing. In San Diego, 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 1.97M.
• ❓An adjuster told me “We’re waiting on statements from witnesses..” Can a San Diego personal injury lawyer still help?
  Yes. Adjusters regularly say “We’re waiting on statements from witnesses.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like American Strategic Insurance. If they won’t deal fairly, we prepare for a jury decision in favor of the plaintiff in 229th Judicial District Court 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 case settled during mediation. Our case histories include results such as 775K. The goal is simple: fair compensation for your losses in San Diego.