General Personal Injury FAQs — Arp

• ❓What should I do if USAA says “You didn’t notify us within the required time frame.” after my Arp crash?
  Insurers like USAA often use lines such as “You didn’t notify us within the required time frame.” to stall or minimize claims. Even injuries like TMJ dysfunction from impact can be life-changing. In Arp, we gather medical proof, challenge delay tactics, and, if needed, push for a compensation awarded during mediation process — outcomes in our files include results up to 2.23M.
• ❓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 compensation awarded during mediation process. Our case histories include results such as 1.24M. The goal is simple: fair compensation for your losses in Arp.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Shelter Insurance) often second-guess medical care to cut payouts. For clients such as a school crossing guard struck by vehicle with tracheal injury, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “We need an independent medical examination..” Can a Arp personal injury lawyer still help?
  Yes. Adjusters regularly say “We need an independent medical examination.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Encompass Insurance. If they won’t deal fairly, we prepare for a settlement reached post-verdict in 475th Judicial District Court and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Arp?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You didn’t go to the emergency room.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Arp allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like traumatic brain injury. Don’t accept “Your injury doesn’t meet our definition of serious.” at face value.