General Personal Injury FAQs — El Refugio

• ❓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 jury awarded damages in 381st Judicial District Court. Our case histories include results such as 768K. The goal is simple: fair compensation for your losses in El Refugio.
• ❓What should I do if Texas Farm Bureau says “We’re still evaluating liability with our insured.” after my El Refugio crash?
  Insurers like Texas Farm Bureau often use lines such as “We’re still evaluating liability with our insured.” to stall or minimize claims. Even injuries like pelvic ring disruption can be life-changing. In El Refugio, we gather medical proof, challenge delay tactics, and, if needed, push for a jury awarded damages in 381st Judicial District Court — outcomes in our files include results up to 1.02M.
• ❓An adjuster told me “Your injuries were pre-existing..” Can a El Refugio personal injury lawyer still help?
  Yes. Adjusters regularly say “Your injuries were pre-existing.,” 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 secured after expert testimony in 381st Judicial District Court and pursue full compensation.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., California Casualty) often second-guess medical care to cut payouts. For clients such as a parking lot pedestrian with burst vertebral fracture, 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 El Refugio?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “There’s a coverage issue we’re reviewing.,” 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 El Refugio allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like multiple rib fractures. Don’t accept “You didn’t notify us within the required time frame.” at face value.