General Personal Injury FAQs — St Paul

• ❓An adjuster told me “We haven’t completed our medical review yet..” Can a St Paul 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 Loya Insurance Group. If they won’t deal fairly, we prepare for a jury verdict in 366th Judicial District Court and pursue full compensation.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Alpha Property & Casualty) often second-guess medical care to cut payouts. For clients such as a warehouse worker injured by delivery truck with rotational ankle fracture, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if NJM Insurance Group says “We’re waiting on statements from witnesses.” after my St Paul crash?
  Insurers like NJM Insurance Group often use lines such as “We’re waiting on statements from witnesses.” to stall or minimize claims. Even injuries like skull fracture can be life-changing. In St Paul, we gather medical proof, challenge delay tactics, and, if needed, push for a settlement approved in 366th Judicial District Court — outcomes in our files include results up to 947K.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in St Paul allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like perilymph fistula from head trauma. Don’t accept “You didn’t report the injury immediately.” 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 settlement approved in 366th Judicial District Court. Our case histories include results such as 912K. The goal is simple: fair compensation for your losses in St Paul.
• ❓Will a gap in my medical care ruin my case in St Paul?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The policyholder wasn’t clearly at fault.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.