General Personal Injury FAQs — St Paul

• ❓An adjuster told me “The at-fault driver’s policy may be void..” Can a St Paul personal injury lawyer still help?
  Yes. Adjusters regularly say “The at-fault driver’s policy may be void.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Elephant Insurance. If they won’t deal fairly, we prepare for a high-value verdict in 296th Judicial District Court and pursue full compensation.
• ❓What should I do if Esurance says “We can’t verify your medical provider’s credentials.” after my St Paul crash?
  Insurers like Esurance often use lines such as “We can’t verify your medical provider’s credentials.” to stall or minimize claims. Even injuries like arterial dissection from trauma can be life-changing. In St Paul, we gather medical proof, challenge delay tactics, and, if needed, push for a plaintiff verdict reached after closing arguments — outcomes in our files include results up to 831K.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Westfield Insurance) often second-guess medical care to cut payouts. For clients such as a off-duty officer hit by commercial truck with scaphoid fracture, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓Will a gap in my medical care ruin my case in St Paul?
  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.
• ❓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 plaintiff verdict reached after closing arguments. Our case histories include results such as 831K. The goal is simple: fair compensation for your losses in St Paul.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in St Paul allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like vertebroplasty or kyphoplasty. Don’t accept “We need more documentation.” at face value.