General Personal Injury FAQs — Santa Clara

• ❓What should I do if Wawanesa Insurance says “Your injury doesn’t meet our definition of serious.” after my Santa Clara crash?
  Insurers like Wawanesa Insurance often use lines such as “Your injury doesn’t meet our definition of serious.” to stall or minimize claims. Even injuries like paraplegia can be life-changing. In Santa Clara, we gather medical proof, challenge delay tactics, and, if needed, push for a settlement approved in 25th Judicial District Court — outcomes in our files include results up to 881K.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Santa Clara allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like loss of bowel control after spine injury. Don’t accept “The treatment timeline doesn’t make sense.” at face value.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Chubb) often second-guess medical care to cut payouts. For clients such as a pedestrian with degenerative changes from trauma, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “Your injuries were pre-existing..” Can a Santa Clara personal injury lawyer still help?
  Yes. Adjusters regularly say “Your injuries were pre-existing.,” 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 damages awarded in settlement conference 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 settlement approved in 25th Judicial District Court. Our case histories include results such as 1.5M. The goal is simple: fair compensation for your losses in Santa Clara.
• ❓Will a gap in my medical care ruin my case in Santa Clara?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The medical records aren’t sufficient.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.