General Personal Injury FAQs — Refugio

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Allstate) often second-guess medical care to cut payouts. For clients such as a passenger injured by bus driver with torn biceps tendon, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “You didn’t report the injury immediately..” Can a Refugio personal injury lawyer still help?
  Yes. Adjusters regularly say “You didn’t report the injury immediately.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Farmers Insurance. If they won’t deal fairly, we prepare for a case resolved through court-supervised mediation and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Refugio?
  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 follow doctor’s orders.,” 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 Refugio allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like midfoot dislocation. Don’t accept “The vehicle damage was minor.” at face value.
• ❓What should I do if Shelter Insurance says “You didn’t report the injury immediately.” after my Refugio crash?
  Insurers like Shelter Insurance often use lines such as “You didn’t report the injury immediately.” to stall or minimize claims. Even injuries like traumatic brain swelling can be life-changing. In Refugio, we gather medical proof, challenge delay tactics, and, if needed, push for a pre-trial settlement in 135th Judicial District Court — outcomes in our files include results up to 1.81M.
• ❓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 pre-trial settlement in 135th Judicial District Court. Our case histories include results such as 782K. The goal is simple: fair compensation for your losses in Refugio.