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The Insurance Company Says Your Injuries Were Pre-Existing. Now What?

Can a Pre-Existing Condition Hurt Your Personal Injury Claim in Pittsburgh?

After a serious accident, most people expect questions about medical treatment, insurance coverage, and who was at fault. What many do not expect is to be told that their pain may not be related to the crash at all. Yet that is a common issue in personal injury claims. An insurance adjuster may point to an old back injury, a prior shoulder problem, arthritis, degenerative disc disease, or a past surgery and argue that your current symptoms existed before the accident.

If that is happening to you or a loved one, it is important to understand this: a pre-existing condition does not automatically prevent you from pursuing a personal injury claim in Pennsylvania, although recovery will depend on the specific facts and evidence. In many cases, a key issue is whether the accident caused a new injury, aggravated an existing condition, or made prior symptoms materially worse.

That distinction matters. It can affect how your claim is evaluated, how your treatment is viewed, and how the insurance company responds to your losses. It can also affect what evidence will be needed to present your case clearly and persuasively.

At Dallas W. Hartman P.C., we know how stressful this situation can be. You may already be dealing with pain, follow-up care, missed work, and uncertainty about what comes next. Then the insurance company raises questions about your medical history and makes you feel as though your injuries should not count. These cases often need to be handled carefully from the beginning because the facts, the medical records, and the timeline all matter.

Why the Insurance Company May Claim Your Injuries Were Pre-Existing

Insurance companies often look for other explanations for an injured person’s symptoms. If a carrier can argue that your pain, physical limitations, or treatment are tied to an earlier condition rather than the accident, it may try to reduce the value of the claim or dispute part of it.

This issue often comes up in cases involving neck injuries, back injuries, shoulder injuries, knee injuries, chronic pain, and other physical problems that may overlap with prior medical history. It may also arise when imaging shows degenerative changes, even if those changes were not seriously affecting your daily life before the crash.

That does not necessarily mean the insurance company is seeing the whole picture.

A person can have a prior injury or underlying condition and still suffer real harm in a later accident. You may have been living with manageable symptoms for years, only to find that after a truck sideswipes your car on your way to work near New Castle or Hermitage, or after you fall on a slick floor or uneven walking surface while running errands, your pain worsens, your treatment expands, and daily tasks that once felt manageable become much harder.

That kind of change may be legally significant, depending on the medical evidence and the facts of the case. Put simply, a pre-existing medical history does not automatically rule out the possibility that an accident caused new injuries or aggravated an existing condition, depending on the medical evidence.

What Matters Most in a Pre-Existing Condition Injury Claim

One of the most important points in these cases is that your medical history is only one part of the analysis. What often matters most is what changed after the accident.

Many people live with older injuries or underlying conditions while continuing to work, drive, care for family members, and handle daily responsibilities. Then the accident happens, and their situation changes. Symptoms may become more frequent, more severe, or harder to manage. Treatment may increase. Everyday activities may become more difficult.

If you are facing this issue, these are the kinds of questions that often matter:

  • What could you do before the accident that you now struggle to do?
  • Were your symptoms occasional before, but now more persistent or more severe?
  • Did you need to visit a specialist, undergo additional imaging, therapy, injections, or surgical consultations after the crash?
  • Have you started missing work and finding it significantly harder to get through daily tasks?

Those details matter. They can help show whether the accident had a meaningful effect on your health and your life, even if you were not starting with a perfect bill of health.

What to Do if the Insurance Company Says Your Injuries Were Already There

If the insurance company has raised this argument, do not assume that a pre-existing condition alone would end your claim, although the outcome will depend on the available evidence. There may be practical steps you can take now to help protect your position and make the record clearer.

Seek Care With a Medical Provider and Follow Your Treatment Plan

Start by following your doctor’s advice as closely as possible. Consistent medical care matters. If treatment is delayed or interrupted without explanation, the insurance company may try to use that gap to question whether the accident truly caused your current symptoms or whether your condition is as serious as you say it is.

Be Careful What You Say to the Insurance Company

You should also be careful when speaking with the insurance company. Do not guess. Do not exaggerate. Do not minimize what you are experiencing. If you had prior symptoms, that may be relevant, but it needs to be described accurately and in context. Casual remarks to an adjuster can later be used to support an argument that your current problems are unrelated to the accident.

Keep Thorough Documentation

It is also important to keep records. Save medical records, imaging reports, work notes, bills, and documents showing how your condition changed after the incident. In some situations, prior medical records may help clarify your claim because they may show that a condition was stable, mild, controlled, or affecting a different area before the accident.

Document What Changed After the Accident

You should also document how the injury is affecting your daily life. Missed work, reduced activity, sleep problems, difficulty driving, pain when lifting, and changes in household responsibilities can all help tell the story of what has changed since the accident.

Sometimes the most important details are the most personal ones. Maybe your spouse has had to take over chores you used to handle. Maybe carrying groceries now causes significant pain. Maybe getting up from a chair, climbing stairs, or sleeping through the night has become difficult. Those details can help show the real-world impact the accident has had on your daily life.

Why Your Medical Records May Matter More Than Ever

In cases involving pre-existing injuries or prior medical conditions, medical evidence is often central to the claim. Insurance companies may focus on isolated phrases in your records, such as a “history of back pain” or “degenerative changes,” and use those phrases to argue that the accident caused little or no additional harm.

That is why context matters so much.

What often matters is whether the records, taken as a whole, show a documented change in symptoms, treatment, or day-to-day functioning after the accident. Your full medical picture should show whether you were functioning differently before the accident, whether your symptoms became worse afterward, and whether the medical records support that change over time.

Helpful evidence may include records showing that a condition was previously stable, follow-up evaluations showing increased symptoms after the collision, treatment notes reflecting new complaints or worsening limitations, work restrictions, specialist referrals, or a medical timeline that makes clear when the change occurred.

Medical evidence does not necessarily need to show that you were in perfect health before the accident. In many cases, an important question is whether the accident caused new harm or worsened an existing condition, resulting in additional pain, treatment, or impairment.

What “Degenerative” Findings May Mean for Your Injury Claim

Many injured people become discouraged when imaging shows degenerative findings. Insurance companies sometimes point to that language and suggest that the pain is related to aging or wear and tear rather than the accident.

That argument may not reflect the full medical picture.

Degenerative changes are common, especially as people get older. Their presence on an MRI or X-ray does not automatically determine whether the crash caused new symptoms or significantly worsened an existing condition. A person may have age-related changes for years without serious pain or physical limitation, then experience a substantial increase in symptoms after a collision.

That is why timing, symptom progression, and medical evaluation are so important. The issue is often not whether degenerative changes existed, but whether the accident caused a significant worsening of your condition and a noticeable change in your life.

How a Pre-Existing Condition Dispute Can Affect the Value of Your Claim

When an insurer argues that your injuries were pre-existing, it may challenge several parts of your claim. It may dispute certain medical bills, question whether treatment was related to the accident, argue over lost wages, or try to reduce compensation related to pain and suffering.

That does not necessarily mean the insurer’s position is accurate or complete. It means your claim may require stronger documentation and a more precise presentation of the timeline and facts.

Cases involving prior medical history often turn on detail. The timeline must be clear. The records must be reviewed closely. The changes in symptoms and function must make sense. The more complicated the medical history, the more important it becomes to present the claim thoughtfully, accurately, and with supporting evidence.

That is one reason these cases often benefit from the guidance of a Pittsburgh personal injury lawyer early in the process.

When the Insurance Company Tries to Minimize What Changed After an Accident

When an insurance company says your injuries were pre-existing, it is offering one interpretation of the facts. That interpretation may leave out important context, including how the accident affected your body, your treatment, your work, and your daily life.

Your response should not be based on frustration alone. It should be based on facts, records, and a clear explanation of what changed after the crash.

That means taking treatment seriously, describing symptoms honestly, keeping thorough documentation, and making sure the full medical picture is considered. It also means understanding that a prior condition and a valid injury claim are not necessarily mutually exclusive, depending on the facts and evidence. Both can exist at the same time, and the effects of the accident may still warrant careful evaluation.

At Dallas W. Hartman P.C., we know that cases involving prior injuries or underlying medical conditions often require careful attention to the records, the timeline, and the way changes in your condition are documented. If you are being told that your injuries were already there before the accident, it is important to respond carefully so your medical history is not used to downplay how much your condition changed afterward.

When the Insurance Company Blames Your Injuries on a Prior Condition, Pittsburgh Personal Injury Attorneys Can Help

If the insurance company is trying to dismiss your pain, treatment, or limitations by pointing to an old injury or medical condition, do not assume that a pre-existing condition alone ends your claim. In many cases, the real issue is not whether you had a prior condition, but whether the accident made that condition worse or caused new problems that are affecting your life now. That issue needs to be evaluated carefully, with the right medical records, a clear timeline, and a full understanding of what changed after the accident.

At Dallas W. Hartman P.C., we understand how frustrating it is to be hurt, miss work, deal with ongoing treatment, and then be told that your injuries should not count because of your medical history. We can help review what happened, what the medical records show, and what next steps may be available based on the facts of your situation.

If you are being told that your injuries were already there before the accident, contact Dallas W. Hartman P.C. through our online contact form to request a free consultation about your situation and your options.

Disclaimer: The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney-client relationship. If you are seeking legal advice, please contact our law firm directly.