General Personal Injury FAQs — Santa Fe

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Direct Auto Insurance) often second-guess medical care to cut payouts. For clients such as a commuter hit in parking garage with traumatic ear drum rupture, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if Amica Mutual says “There’s a coverage issue we’re reviewing.” after my Santa Fe crash?
  Insurers like Amica Mutual often use lines such as “There’s a coverage issue we’re reviewing.” to stall or minimize claims. Even injuries like torn Achilles tendon can be life-changing. In Santa Fe, 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 2.13M.
• ❓Will a gap in my medical care ruin my case in Santa Fe?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We have to confirm if your policy was active.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “You didn’t notify us within the required time frame..” Can a Santa Fe personal injury lawyer still help?
  Yes. Adjusters regularly say “You didn’t notify us within the required time frame.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Foremost Insurance. If they won’t deal fairly, we prepare for a structured settlement agreement reached and pursue full compensation.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Santa Fe allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like permanent disability from injury. Don’t accept “We need more documentation.” at face value.
• ❓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 2.21M. The goal is simple: fair compensation for your losses in Santa Fe.