General Personal Injury FAQs — Spade

• ❓Will a gap in my medical care ruin my case in Spade?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The bills are higher than reasonable market value.,” 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 seven-figure award granted in 154th Judicial District Court. Our case histories include results such as 1.35M. The goal is simple: fair compensation for your losses in Spade.
• ❓An adjuster told me “The provider overcharged for services..” Can a Spade personal injury lawyer still help?
  Yes. Adjusters regularly say “The provider overcharged for services.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Branch Insurance. If they won’t deal fairly, we prepare for a compensation awarded during mediation process and pursue full compensation.
• ❓What should I do if NJM Insurance Group says “The photos you submitted aren’t clear.” after my Spade crash?
  Insurers like NJM Insurance Group often use lines such as “The photos you submitted aren’t clear.” to stall or minimize claims. Even injuries like basilar skull fracture can be life-changing. In Spade, we gather medical proof, challenge delay tactics, and, if needed, push for a seven-figure award granted in 154th Judicial District Court — outcomes in our files include results up to 955K.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Spade allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like Galeazzi fracture. Don’t accept “Your injury doesn’t meet our definition of serious.” at face value.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Western National Insurance) often second-guess medical care to cut payouts. For clients such as a passenger in rear-end collision with rotator cuff tear, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.