General Personal Injury FAQs — Merkel

• ❓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 1.44M. The goal is simple: fair compensation for your losses in Merkel.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., National General) often second-guess medical care to cut payouts. For clients such as a auto mechanic pinned under vehicle with laminectomy or discectomy, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓Will a gap in my medical care ruin my case in Merkel?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You waited too long to seek treatment.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “We believe the claim is inflated..” Can a Merkel personal injury lawyer still help?
  Yes. Adjusters regularly say “We believe the claim is inflated.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Safeco. If they won’t deal fairly, we prepare for a settlement reached post-verdict in 104th 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 Merkel allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like multilevel spinal fracture. Don’t accept “We’re waiting on statements from witnesses.” at face value.
• ❓What should I do if Liberty Mutual says “Your injury doesn’t meet our definition of serious.” after my Merkel crash?
  Insurers like Liberty Mutual often use lines such as “Your injury doesn’t meet our definition of serious.” to stall or minimize claims. Even injuries like vertebral fracture can be life-changing. In Merkel, 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 814K.