Don’t Let Insurance Companies Blame Personal Injuries on Your Past!

Accidents turn your world upside down. One minute, you’re going about your day. The next, you’re in pain, drowning in medical bills, and dealing with an insurance company that’s determined to make your life harder. 

They’ll dig into your past, searching for any excuse to pay you less. "That pain? Oh, it’s from an old injury," they’ll say. Personal injury lawyers know this tactic all too well. “That pain? Oh, it’s from an old injury,” they’ll say. It’s frustrating. It’s unfair. And it’s exactly why you need to fight back.

As a top law firm in Manchester, we’ve seen these many times before. We know their tricks, and we don’t let them get away with it. If you were injured in an accident in Manchester, your past shouldn’t erase your right to fair compensation. 

Horn Wright, LLP, makes sure the insurance companies see the truth—and we won’t back down until you get what you deserve. 

The Insurance Industry’s Biggest Lie—They’ll Do Anything to Undercut Your Pain

Insurance companies don’t care about your story. They only care about saving money. 

That’s why they love using pre-existing conditions against injury victims. They’ll claim your injuries didn’t really come from the accident. “You were already hurt,” they’ll argue, hoping you’ll give up and accept a lowball offer.

But here’s what they won’t tell you: the law is on your side. If the accident made your condition worse, that still counts as harm. And the person who caused the accident is still responsible. It’s that simple.

Steps to Take Immediately After an Accident

To protect yourself from insurance company tactics, take these steps right away:

• Document Everything – Snap photos of the crash, your injuries, and any property damage. In New Hampshire, you’re legally required to report accidents with over $1,000 in damage or any injuries within 15 days
• See a Doctor—Now, Not Later – Even if you feel okay, some injuries take time to show up. A medical visit creates a record that proves the accident affected you. Without it, insurance companies will argue you weren’t really hurt. 
• Keep Records Like Your Case Depends on It—Because It Does – Save everything: medical bills, doctor’s notes, prescriptions, and even emails with your employer about missed work. These documents show exactly how your life changed after the accident. 

How Witness Testimony Can Support Your Claim

The truth is insurance companies believe witnesses more than they believe you. It’s frustrating, but it’s reality. If someone saw your accident, their statement can:

• Back up your version of events.
• Prove the other driver was at fault.
• Show that your injuries happened because of the crash, not your past health issues.

Get names, numbers, and statements as soon as possible. The more proof you have, the harder it is for the insurance company to twist the facts. 

Think They Can Use Your Medical History Against You? Think Again!

Insurance adjusters love to act like pre-existing conditions cancel out your rights. But New Hampshire law doesn’t see it that way. The "eggshell plaintiff" rule protects you. It means that if someone else’s negligence made your condition worse, they’re responsible for the damage. Period. 

The insurance company doesn’t get to decide that your pain doesn’t matter. They don’t get to downplay your suffering. And they definitely don’t get to cheat you out of the compensation you need.

Prove Them Wrong—Show That the Crash Wrecked Your Health

Winning your case isn’t just about telling your story—it’s about proving it. Here’s how you make your case airtight:

• Medical Records—Your Best Defense – Your doctor’s notes should clearly separate your old condition from your new injuries. They need to spell out exactly how the accident made things worse. 
• A Timeline That Makes Sense – If you were fine before the crash but needed physical therapy afterward, that’s evidence. If your pain level spiked after the accident, that’s evidence. Track everything.
• Expert Testimony That Connects the Dots – Medical professionals can explain, in no uncertain terms, how the accident changed your condition. Their word carries weight in court.

Your Medical Records Are Your Ammo—Load Up and Fight Back!

Your records aren’t just paperwork. They’re proof. They show the before and after of your health. And they’re the key to shutting down the insurance company’s excuses.

• Pre-Accident Records – Establishes your baseline health before the crash.
• Post-Accident Records – Proves the accident caused new pain or made old issues worse.
• Treatment Plans – Shows you needed new medical care, proving the accident’s impact on your daily life.

Don’t let the insurance company twist the facts. Use your records to show them the truth.

Can You Still File a Claim in Manchester? Yes—Here’s Why You Need to Act Now!

New Hampshire law limits how long you have to take action. The longer you wait, the easier it is for the insurance company to deny your claim. Memories fade. Evidence disappears. And before you know it, they’re offering you pennies—or worse, nothing at all.

If you’re injured, don’t let the past dictate your future. The Manchester personal injury lawyers at one of the best law firms in America are ready to fight for you. We know their tactics. We know the law. And we know how to win.

Let’s hold the party responsible accountable and get you the best possible injury compensation claims. Our car accident attorney team has your back. Call our office today for your free, no-obligation consultation.