General Personal Injury FAQs — Hilltop Lakes

• ❓An adjuster told me “The bills are higher than reasonable market value..” Can a Hilltop Lakes 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 Alpha Property & Casualty. If they won’t deal fairly, we prepare for a settlement approved in 278th Judicial District Court and pursue full compensation.
• ❓What should I do if Unitrin Insurance says “We need an independent medical examination.” after my Hilltop Lakes crash?
  Insurers like Unitrin Insurance often use lines such as “We need an independent medical examination.” to stall or minimize claims. Even injuries like skull fracture can be life-changing. In Hilltop Lakes, we gather medical proof, challenge delay tactics, and, if needed, push for a structured settlement agreement reached — outcomes in our files include results up to 1.94M.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Hilltop Lakes allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like mandibular nerve injury. Don’t accept “Your injury doesn’t meet our definition of serious.” at face value.
• ❓Will a gap in my medical care ruin my case in Hilltop Lakes?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You didn’t report the injury immediately.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓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 driver hit at railroad crossing with nerve graft or neurolysis procedure, 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 structured settlement agreement reached. Our case histories include results such as 1.22M. The goal is simple: fair compensation for your losses in Hilltop Lakes.