General Personal Injury FAQs — New Braunfels

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Loya Insurance Group) often second-guess medical care to cut payouts. For clients such as a mail carrier hit in residential area with rotator cuff tear, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “We have to confirm if your policy was active..” Can a New Braunfels personal injury lawyer still help?
  Yes. Adjusters regularly say “We have to confirm if your policy was active.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like MAPFRE Insurance. If they won’t deal fairly, we prepare for a jury decision in favor of the plaintiff in 22nd Judicial District Court and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in New Braunfels?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “This is the most we’re allowed to offer.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in New Braunfels allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like torn Achilles tendon. Don’t accept “The police report is inconclusive.” at face value.
• ❓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 multi-million dollar verdict from 22nd Judicial District Court. Our case histories include results such as 2.14M. The goal is simple: fair compensation for your losses in New Braunfels.
• ❓What should I do if Chubb says “This is the most we’re allowed to offer.” after my New Braunfels crash?
  Insurers like Chubb often use lines such as “This is the most we’re allowed to offer.” to stall or minimize claims. Even injuries like basilar skull fracture can be life-changing. In New Braunfels, we gather medical proof, challenge delay tactics, and, if needed, push for a multi-million dollar verdict from 22nd Judicial District Court — outcomes in our files include results up to 833K.