General Personal Injury FAQs — Spofford

• ❓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 out-of-court settlement following litigation. Our case histories include results such as 1.49M. The goal is simple: fair compensation for your losses in Spofford.
• ❓What should I do if NJM Insurance Group says “Your injuries were pre-existing.” after my Spofford crash?
  Insurers like NJM Insurance Group often use lines such as “Your injuries were pre-existing.” to stall or minimize claims. Even injuries like meniscus tear can be life-changing. In Spofford, we gather medical proof, challenge delay tactics, and, if needed, push for a out-of-court settlement following litigation — outcomes in our files include results up to 1.14M.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., National General) often second-guess medical care to cut payouts. For clients such as a driver struck by a commercial vehicle with loss of bowel control after spine injury, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “We haven’t completed our medical review yet..” Can a Spofford personal injury lawyer still help?
  Yes. Adjusters regularly say “We haven’t completed our medical review yet.,” 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 returned a favorable verdict in 63rd Judicial District Court and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Spofford?
  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.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Spofford allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like distal radius fracture. Don’t accept “You can’t prove emotional distress.” at face value.