General Personal Injury FAQs — Elmo

• ❓An adjuster told me “Your injury doesn’t meet our definition of serious..” Can a Elmo personal injury lawyer still help?
  Yes. Adjusters regularly say “Your injury doesn’t meet our definition of serious.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Kemper Corporation. If they won’t deal fairly, we prepare for a judge’s damages award following bench trial 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 Elmo allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like laryngeal fracture. Don’t accept “We believe the claim is inflated.” at face value.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Texas Farm Bureau) often second-guess medical care to cut payouts. For clients such as a delivery driver with optic nerve damage, 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 Elmo?
  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 treatment was necessary.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓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 out-of-court settlement following litigation. Our case histories include results such as 884K. The goal is simple: fair compensation for your losses in Elmo.
• ❓What should I do if State Farm says “There’s a question about your seatbelt use.” after my Elmo crash?
  Insurers like State Farm often use lines such as “There’s a question about your seatbelt use.” to stall or minimize claims. Even injuries like dislocated patella can be life-changing. In Elmo, we gather medical proof, challenge delay tactics, and, if needed, push for a out-of-court settlement following litigation — outcomes in our files include results up to 1.25M.