General Personal Injury FAQs — Winters

• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Winters allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like dental fractures. Don’t accept “We’re still investigating liability.” at face value.
• ❓Will a gap in my medical care ruin my case in Winters?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We have to confirm if your policy was active.,” 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., Amica Mutual) often second-guess medical care to cut payouts. For clients such as a public transit passenger with spinal fusion surgery, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “We need an independent medical examination..” Can a Winters personal injury lawyer still help?
  Yes. Adjusters regularly say “We need an independent medical examination.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Alpha Property & Casualty. If they won’t deal fairly, we prepare for a award granted by judge in 119th 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 judge’s damages award following bench trial. Our case histories include results such as 1.89M. The goal is simple: fair compensation for your losses in Winters.
• ❓What should I do if State Farm says “We haven’t completed our medical review yet.” after my Winters crash?
  Insurers like State Farm often use lines such as “We haven’t completed our medical review yet.” to stall or minimize claims. Even injuries like compound fracture of the leg can be life-changing. In Winters, 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 1.35M.