General Personal Injury FAQs — Oak Ridge

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., GEICO) often second-guess medical care to cut payouts. For clients such as a city employee hit during job duties with vertebral fracture, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if Bristol West says “We haven’t completed our medical review yet.” after my Oak Ridge crash?
  Insurers like Bristol West often use lines such as “We haven’t completed our medical review yet.” to stall or minimize claims. Even injuries like fractured femur can be life-changing. In Oak Ridge, we gather medical proof, challenge delay tactics, and, if needed, push for a settlement secured after expert testimony in 128th Judicial District Court — outcomes in our files include results up to 1.87M.
• ❓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 secured after expert testimony in 128th Judicial District Court. Our case histories include results such as 2.13M. The goal is simple: fair compensation for your losses in Oak Ridge.
• ❓An adjuster told me “There’s a gap in your medical care..” Can a Oak Ridge personal injury lawyer still help?
  Yes. Adjusters regularly say “There’s a gap in your medical care.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like AssuranceAmerica. If they won’t deal fairly, we prepare for a compensation awarded during mediation process and pursue full compensation.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Oak Ridge allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like cervical disc replacement. Don’t accept “There’s insufficient evidence of impact severity.” at face value.
• ❓Will a gap in my medical care ruin my case in Oak Ridge?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The treatment timeline doesn’t make sense.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.