General Personal Injury FAQs — Oak Ridge

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., AssuranceAmerica) often second-guess medical care to cut payouts. For clients such as a mail carrier hit in residential area with fractured tibia or fibula, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if California Casualty says “There’s a gap in your medical care.” after my Oak Ridge crash?
  Insurers like California Casualty often use lines such as “There’s a gap in your medical care.” to stall or minimize claims. Even injuries like severe concussion can be life-changing. In Oak Ridge, we gather medical proof, challenge delay tactics, and, if needed, push for a jury award issued in civil trial at 163rd Judicial District Court — outcomes in our files include results up to 687K.
• ❓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 jury award issued in civil trial at 163rd Judicial District Court. Our case histories include results such as 2.01M. The goal is simple: fair compensation for your losses in Oak Ridge.
• ❓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 femoral shaft fracture. Don’t accept “You saw a chiropractor, not a medical doctor.” at face value.
• ❓An adjuster told me “The at-fault driver’s policy may be void..” Can a Oak Ridge 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 Chubb. If they won’t deal fairly, we prepare for a seven-figure award granted in 163rd Judicial District Court and pursue full compensation.
• ❓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 “We can’t confirm that you were the driver.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.