General Personal Injury FAQs — Rule

• ❓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 judge’s damages award following bench trial. Our case histories include results such as 2.38M. The goal is simple: fair compensation for your losses in Rule.
• ❓What should I do if Shelter Insurance says “You didn’t miss enough work to qualify for compensation.” after my Rule crash?
  Insurers like Shelter Insurance often use lines such as “You didn’t miss enough work to qualify for compensation.” to stall or minimize claims. Even injuries like rotator cuff tear can be life-changing. In Rule, we gather medical proof, challenge delay tactics, and, if needed, push for a judge’s damages award following bench trial — outcomes in our files include results up to 1.54M.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Rule allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like rotator cuff tear. Don’t accept “We don’t believe the vehicle speed contributed.” at face value.
• ❓Will a gap in my medical care ruin my case in Rule?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We need more documentation.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “We need to confirm your insurance coverage..” Can a Rule personal injury lawyer still help?
  Yes. Adjusters regularly say “We need to confirm your insurance coverage.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like USAA. If they won’t deal fairly, we prepare for a case concluded with settlement in 39th Judicial District Court and pursue full compensation.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Mercury Insurance) often second-guess medical care to cut payouts. For clients such as a driver hit by uninsured motorist with retinal detachment, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.