General Personal Injury FAQs — Four Points

• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Four Points allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like burst vertebral fracture. Don’t accept “You didn’t provide a recorded statement.” at face value.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Alpha Property & Casualty) often second-guess medical care to cut payouts. For clients such as a passenger with disfiguring limb deformity, 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 jury awarded damages in 341st Judicial District Court. Our case histories include results such as 949K. The goal is simple: fair compensation for your losses in Four Points.
• ❓An adjuster told me “The bills are higher than reasonable market value..” Can a Four Points personal injury lawyer still help?
  Yes. Adjusters regularly say “The bills are higher than reasonable market value.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Liberty Mutual. If they won’t deal fairly, we prepare for a pre-trial settlement in 341st Judicial District Court and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Four Points?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We’re still investigating liability.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓What should I do if Horace Mann says “The bills are higher than reasonable market value.” after my Four Points crash?
  Insurers like Horace Mann often use lines such as “The bills are higher than reasonable market value.” to stall or minimize claims. Even injuries like nerve compression injury can be life-changing. In Four Points, we gather medical proof, challenge delay tactics, and, if needed, push for a jury awarded damages in 341st Judicial District Court — outcomes in our files include results up to 2.31M.