General Personal Injury FAQs — Stratford

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Horace Mann) often second-guess medical care to cut payouts. For clients such as a pedestrian hit while crossing at green light with fractured tibia or fibula, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Stratford allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like tongue laceration and avulsion. Don’t accept “Your injury doesn’t meet our definition of serious.” at face value.
• ❓What should I do if Chubb says “There are inconsistencies in your account.” after my Stratford crash?
  Insurers like Chubb often use lines such as “There are inconsistencies in your account.” to stall or minimize claims. Even injuries like injury requiring bone grafting can be life-changing. In Stratford, we gather medical proof, challenge delay tactics, and, if needed, push for a verdict rendered after trial in 69th Judicial District Court — outcomes in our files include results up to 2.17M.
• ❓An adjuster told me “You didn’t notify us within the required time frame..” Can a Stratford personal injury lawyer still help?
  Yes. Adjusters regularly say “You didn’t notify us within the required time frame.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Shelter Insurance. If they won’t deal fairly, we prepare for a settlement reached before trial in 69th Judicial District Court and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Stratford?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You didn’t go to the emergency room.,” 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 verdict rendered after trial in 69th Judicial District Court. Our case histories include results such as 1.3M. The goal is simple: fair compensation for your losses in Stratford.