General Personal Injury FAQs — Blum

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Western National Insurance) often second-guess medical care to cut payouts. For clients such as a jogger with retinal hemorrhage from head trauma, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if Texas Farm Bureau says “There’s a question about your seatbelt use.” after my Blum crash?
  Insurers like Texas Farm Bureau often use lines such as “There’s a question about your seatbelt use.” to stall or minimize claims. Even injuries like comminuted fractures can be life-changing. In Blum, we gather medical proof, challenge delay tactics, and, if needed, push for a binding arbitration resulted in favorable award — outcomes in our files include results up to 2.41M.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Blum allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like TMJ dysfunction from impact. Don’t accept “You can’t prove emotional distress.” at face value.
• ❓Will a gap in my medical care ruin my case in Blum?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The pain you’re describing is subjective.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “The police report is inconclusive..” Can a Blum personal injury lawyer still help?
  Yes. Adjusters regularly say “The police report is inconclusive.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like NJM Insurance Group. If they won’t deal fairly, we prepare for a settlement reached before trial in 66th Judicial District Court and pursue full compensation.
• ❓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 binding arbitration resulted in favorable award. Our case histories include results such as 2.48M. The goal is simple: fair compensation for your losses in Blum.