General Personal Injury FAQs — Star Harbor

• ❓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 child pedestrian with septic arthritis after joint 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 compensation awarded during mediation process. Our case histories include results such as 869K. The goal is simple: fair compensation for your losses in Star Harbor.
• ❓Will a gap in my medical care ruin my case in Star Harbor?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You returned to work too quickly to justify lost wages.,” 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 Star Harbor allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like clavicle fracture. Don’t accept “There’s a coverage issue we’re reviewing.” at face value.
• ❓What should I do if MetLife Auto & Home says “The provider overcharged for services.” after my Star Harbor crash?
  Insurers like MetLife Auto & Home often use lines such as “The provider overcharged for services.” to stall or minimize claims. Even injuries like hip replacement due to trauma can be life-changing. In Star Harbor, we gather medical proof, challenge delay tactics, and, if needed, push for a compensation awarded during mediation process — outcomes in our files include results up to 2.18M.
• ❓An adjuster told me “You didn’t report the injury immediately..” Can a Star Harbor personal injury lawyer still help?
  Yes. Adjusters regularly say “You didn’t report the injury immediately.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Homesite Insurance. If they won’t deal fairly, we prepare for a seven-figure award granted in 392nd Judicial District Court and pursue full compensation.