General Personal Injury FAQs — Harlingen

• ❓What should I do if American Family Insurance says “The medical records aren’t sufficient.” after my Harlingen crash?
  Insurers like American Family Insurance often use lines such as “The medical records aren’t sufficient.” to stall or minimize claims. Even injuries like multilevel spinal fracture can be life-changing. In Harlingen, 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 2.16M.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Harlingen allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like temporal bone fracture. Don’t accept “We have to confirm if your policy was active.” at face value.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., The Hartford) often second-guess medical care to cut payouts. For clients such as a nursing home resident with splenic rupture, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “The photos you submitted aren’t clear..” Can a Harlingen personal injury lawyer still help?
  Yes. Adjusters regularly say “The photos you submitted aren’t clear.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like USAA. If they won’t deal fairly, we prepare for a settlement approved in 484th Judicial District Court and pursue full compensation.
• ❓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 1.22M. The goal is simple: fair compensation for your losses in Harlingen.
• ❓Will a gap in my medical care ruin my case in Harlingen?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The damage doesn’t match your account of the crash.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.