General Personal Injury FAQs — Cottonwood Shores

• ❓What should I do if Wawanesa Insurance says “Your injury doesn’t meet our definition of serious.” after my Cottonwood Shores crash?
  Insurers like Wawanesa Insurance often use lines such as “Your injury doesn’t meet our definition of serious.” to stall or minimize claims. Even injuries like paraplegia can be life-changing. In Cottonwood Shores, we gather medical proof, challenge delay tactics, and, if needed, push for a verdict rendered after trial in 33rd Judicial District Court — outcomes in our files include results up to 2.05M.
• ❓An adjuster told me “We have to confirm if your policy was active..” Can a Cottonwood Shores personal injury lawyer still help?
  Yes. Adjusters regularly say “We have to confirm if your policy was active.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like GuideOne Insurance. If they won’t deal fairly, we prepare for a out-of-court settlement following litigation and pursue full compensation.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Foremost Insurance) often second-guess medical care to cut payouts. For clients such as a emergency responder hit roadside with herniated disc, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓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 verdict rendered after trial in 33rd Judicial District Court. Our case histories include results such as 1.37M. The goal is simple: fair compensation for your losses in Cottonwood Shores.
• ❓Will a gap in my medical care ruin my case in Cottonwood Shores?
  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 vehicle speed contributed.,” 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 Cottonwood Shores allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like herniated disc. Don’t accept “The bills are higher than reasonable market value.” at face value.