General Personal Injury FAQs — Kemp

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Infinity Property & Casualty) often second-guess medical care to cut payouts. For clients such as a emergency responder hit roadside with tracheal injury, 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 verdict rendered after trial in 489th Judicial District Court. Our case histories include results such as 1.74M. The goal is simple: fair compensation for your losses in Kemp.
• ❓Will a gap in my medical care ruin my case in Kemp?
  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 vehicle speed contributed.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “The pain you’re describing is subjective..” Can a Kemp personal injury lawyer still help?
  Yes. Adjusters regularly say “The pain you’re describing is subjective.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Safe Auto Insurance. If they won’t deal fairly, we prepare for a judge’s damages award following bench trial and pursue full compensation.
• ❓What should I do if Alpha Property & Casualty says “The medical records aren’t sufficient.” after my Kemp crash?
  Insurers like Alpha Property & Casualty often use lines such as “The medical records aren’t sufficient.” to stall or minimize claims. Even injuries like hip dislocation can be life-changing. In Kemp, we gather medical proof, challenge delay tactics, and, if needed, push for a verdict rendered after trial in 489th Judicial District Court — outcomes in our files include results up to 2.48M.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Kemp allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like torn biceps tendon. Don’t accept “This is the most we’re allowed to offer.” at face value.