General Personal Injury FAQs — Thornton

• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Thornton allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like skull fracture. Don’t accept “We need an independent medical examination.” at face value.
• ❓What should I do if Loya Insurance Group says “You didn’t notify us within the required time frame.” after my Thornton crash?
  Insurers like Loya Insurance Group often use lines such as “You didn’t notify us within the required time frame.” to stall or minimize claims. Even injuries like loss of bladder control after spine trauma can be life-changing. In Thornton, we gather medical proof, challenge delay tactics, and, if needed, push for a structured settlement agreement reached — outcomes in our files include results up to 1.23M.
• ❓Will a gap in my medical care ruin my case in Thornton?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “This is the most we’re allowed to offer.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., The Hartford) often second-guess medical care to cut payouts. For clients such as a public transit passenger with midfoot dislocation, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “You’re not permanently impaired..” Can a Thornton personal injury lawyer still help?
  Yes. Adjusters regularly say “You’re not permanently impaired.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like NJM Insurance Group. If they won’t deal fairly, we prepare for a settlement reached post-verdict in 77th Judicial District Court and pursue full compensation.
• ❓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 structured settlement agreement reached. Our case histories include results such as 1.57M. The goal is simple: fair compensation for your losses in Thornton.