General Personal Injury FAQs — Cottonwood

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Esurance) often second-guess medical care to cut payouts. For clients such as a cyclist hit by delivery van with hemothorax, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓Will a gap in my medical care ruin my case in Cottonwood?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You waited too long to seek treatment.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓What should I do if Foremost Insurance says “We don’t believe the vehicle speed contributed.” after my Cottonwood crash?
  Insurers like Foremost Insurance often use lines such as “We don’t believe the vehicle speed contributed.” to stall or minimize claims. Even injuries like temporal bone fracture can be life-changing. In Cottonwood, we gather medical proof, challenge delay tactics, and, if needed, push for a settlement reached before trial in 422nd Judicial District Court — outcomes in our files include results up to 2.04M.
• ❓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 settlement reached before trial in 422nd Judicial District Court. Our case histories include results such as 1.76M. The goal is simple: fair compensation for your losses in Cottonwood.
• ❓An adjuster told me “There’s a coverage issue we’re reviewing..” Can a Cottonwood personal injury lawyer still help?
  Yes. Adjusters regularly say “There’s a coverage issue we’re reviewing.,” 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 post-verdict in 422nd Judicial District Court and pursue full compensation.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Cottonwood allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like thoracic outlet syndrome from trauma. Don’t accept “We haven’t received your bills yet.” at face value.