General Personal Injury FAQs — Toco

• ❓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 multi-million dollar verdict from 62nd Judicial District Court. Our case histories include results such as 1.4M. The goal is simple: fair compensation for your losses in Toco.
• ❓Will a gap in my medical care ruin my case in Toco?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “There’s a gap in your medical care.,” 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 Toco allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like burst vertebral fracture. Don’t accept “The photos you submitted aren’t clear.” at face value.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Encompass Insurance) often second-guess medical care to cut payouts. For clients such as a bicyclist injured on designated trail with crush injuries requiring debridement, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if Liberty Mutual says “Our evaluation doesn’t match your claim.” after my Toco crash?
  Insurers like Liberty Mutual often use lines such as “Our evaluation doesn’t match your claim.” to stall or minimize claims. Even injuries like fractured femur can be life-changing. In Toco, we gather medical proof, challenge delay tactics, and, if needed, push for a multi-million dollar verdict from 62nd Judicial District Court — outcomes in our files include results up to 2.03M.
• ❓An adjuster told me “We’re waiting on statements from witnesses..” Can a Toco personal injury lawyer still help?
  Yes. Adjusters regularly say “We’re waiting on statements from witnesses.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Chubb. If they won’t deal fairly, we prepare for a jury awarded damages in 62nd Judicial District Court and pursue full compensation.