General Personal Injury FAQs — Villa Del Sol

• ❓What should I do if NJM Insurance Group says “Your injuries were pre-existing.” after my Villa Del Sol crash?
  Insurers like NJM Insurance Group often use lines such as “Your injuries were pre-existing.” to stall or minimize claims. Even injuries like orbital blowout fracture can be life-changing. In Villa Del Sol, we gather medical proof, challenge delay tactics, and, if needed, push for a judge’s damages award following bench trial — outcomes in our files include results up to 955K.
• ❓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 judge’s damages award following bench trial. Our case histories include results such as 1.78M. The goal is simple: fair compensation for your losses in Villa Del Sol.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Villa Del Sol allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like orbital blowout fracture. Don’t accept “We believe the claim is inflated.” at face value.
• ❓Will a gap in my medical care ruin my case in Villa Del Sol?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We need to confirm your insurance coverage.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “You’ve already reached maximum medical improvement..” Can a Villa Del Sol personal injury lawyer still help?
  Yes. Adjusters regularly say “You’ve already reached maximum medical improvement.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Horace Mann. If they won’t deal fairly, we prepare for a case settled during mediation and pursue full compensation.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Safe Auto Insurance) often second-guess medical care to cut payouts. For clients such as a teen driver with fractured humerus, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.