General Personal Injury FAQs — Santel

• ❓An adjuster told me “We need to confirm your insurance coverage..” Can a Santel 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 Safe Auto Insurance. If they won’t deal fairly, we prepare for a judge’s damages award following bench trial 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 Santel allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like labral tear (shoulder). Don’t accept “We believe the claim is inflated.” at face value.
• ❓What should I do if Stillwater Insurance says “We haven’t completed our medical review yet.” after my Santel crash?
  Insurers like Stillwater Insurance often use lines such as “We haven’t completed our medical review yet.” to stall or minimize claims. Even injuries like posterior hip dislocation can be life-changing. In Santel, we gather medical proof, challenge delay tactics, and, if needed, push for a binding arbitration resulted in favorable award — outcomes in our files include results up to 2.5M.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Elephant Insurance) often second-guess medical care to cut payouts. For clients such as a emergency responder hit roadside with nerve root impingement, 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 Santel?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The treatment timeline doesn’t make sense.,” 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 binding arbitration resulted in favorable award. Our case histories include results such as 1.32M. The goal is simple: fair compensation for your losses in Santel.