General Personal Injury FAQs — Bloomington

• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Bloomington allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like rib cage trauma with internal injury. Don’t accept “You saw a chiropractor, not a medical doctor.” at face value.
• ❓What should I do if ACCC Insurance Company says “You didn’t see a specialist.” after my Bloomington crash?
  Insurers like ACCC Insurance Company often use lines such as “You didn’t see a specialist.” to stall or minimize claims. Even injuries like Monteggia fracture can be life-changing. In Bloomington, we gather medical proof, challenge delay tactics, and, if needed, push for a jury award issued in civil trial at 24th Judicial District Court — outcomes in our files include results up to 881K.
• ❓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 jury award issued in civil trial at 24th Judicial District Court. Our case histories include results such as 677K. The goal is simple: fair compensation for your losses in Bloomington.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Loya Insurance Group) often second-guess medical care to cut payouts. For clients such as a driver hit by uninsured motorist with facial nerve paralysis, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “The provider overcharged for services..” Can a Bloomington personal injury lawyer still help?
  Yes. Adjusters regularly say “The provider overcharged for services.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Progressive. If they won’t deal fairly, we prepare for a award confirmed during arbitration and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Bloomington?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “Our evaluation doesn’t match your claim.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.