General Personal Injury FAQs — Kerens

• ❓What should I do if Farmers Insurance says “There’s a gap in your medical care.” after my Kerens crash?
  Insurers like Farmers Insurance often use lines such as “There’s a gap in your medical care.” to stall or minimize claims. Even injuries like laminectomy or discectomy can be life-changing. In Kerens, we gather medical proof, challenge delay tactics, and, if needed, push for a binding arbitration resulted in favorable award — outcomes in our files include results up to 929K.
• ❓Will a gap in my medical care ruin my case in Kerens?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The provider overcharged for services.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “The police report is inconclusive..” Can a Kerens personal injury lawyer still help?
  Yes. Adjusters regularly say “The police report is inconclusive.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Progressive. If they won’t deal fairly, we prepare for a six-figure settlement finalized in 13th Judicial District Court 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 Kerens allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like injury requiring bone grafting. Don’t accept “The bills are higher than reasonable market value.” at face value.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., MAPFRE Insurance) often second-guess medical care to cut payouts. For clients such as a injured carpool passenger with phalangeal fracture, 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 binding arbitration resulted in favorable award. Our case histories include results such as 814K. The goal is simple: fair compensation for your losses in Kerens.