General Personal Injury FAQs — Santa Monica

• ❓What should I do if Stillwater Insurance says “We have to confirm if your policy was active.” after my Santa Monica crash?
  Insurers like Stillwater Insurance often use lines such as “We have to confirm if your policy was active.” to stall or minimize claims. Even injuries like injury requiring bone grafting can be life-changing. In Santa Monica, we gather medical proof, challenge delay tactics, and, if needed, push for a award granted by judge in 197th Judicial District Court — outcomes in our files include results up to 2.03M.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Allstate) often second-guess medical care to cut payouts. For clients such as a vehicle occupant hit during police chase with loss of vision from head trauma, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓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 granted by judge in 197th Judicial District Court. Our case histories include results such as 2.03M. The goal is simple: fair compensation for your losses in Santa Monica.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Santa Monica allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like shoulder dislocation. Don’t accept “We haven’t completed our medical review yet.” at face value.
• ❓An adjuster told me “We need more documentation..” Can a Santa Monica personal injury lawyer still help?
  Yes. Adjusters regularly say “We need more documentation.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like ACCC Insurance Company. If they won’t deal fairly, we prepare for a pre-trial settlement in 197th Judicial District Court and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Santa Monica?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You didn’t notify us within the required time frame.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.