General Personal Injury FAQs — Alma

• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Alma allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like shoulder dislocation. Don’t accept “There’s a coverage issue we’re reviewing.” at face value.
• ❓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 judge’s damages award following bench trial. Our case histories include results such as 801K. The goal is simple: fair compensation for your losses in Alma.
• ❓An adjuster told me “The bills are higher than reasonable market value..” Can a Alma personal injury lawyer still help?
  Yes. Adjusters regularly say “The bills are higher than reasonable market value.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Texas Farm Bureau. If they won’t deal fairly, we prepare for a jury decision in favor of the plaintiff in 40th Judicial District Court and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Alma?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We don’t believe the treatment was necessary.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., NJM Insurance Group) often second-guess medical care to cut payouts. For clients such as a Uber driver with repetitive orthopedic surgeries post-crash, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if GEICO says “The damage doesn’t match your account of the crash.” after my Alma crash?
  Insurers like GEICO often use lines such as “The damage doesn’t match your account of the crash.” to stall or minimize claims. Even injuries like skull fracture can be life-changing. In Alma, we gather medical proof, challenge delay tactics, and, if needed, push for a judge’s damages award following bench trial — outcomes in our files include results up to 1.54M.