General Personal Injury FAQs — South Padre Island

• ❓What should I do if Shelter Insurance says “The police report is inconclusive.” after my South Padre Island crash?
  Insurers like Shelter Insurance often use lines such as “The police report is inconclusive.” to stall or minimize claims. Even injuries like closed head injury can be life-changing. In South Padre Island, we gather medical proof, challenge delay tactics, and, if needed, push for a settlement reached before trial in 357th Judicial District Court — outcomes in our files include results up to 831K.
• ❓An adjuster told me “We don’t believe the treatment was necessary..” Can a South Padre Island personal injury lawyer still help?
  Yes. Adjusters regularly say “We don’t believe the treatment was necessary.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Infinity Insurance. If they won’t deal fairly, we prepare for a jury awarded damages in 357th Judicial District Court and pursue full compensation.
• ❓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 settlement reached before trial in 357th Judicial District Court. Our case histories include results such as 2.01M. The goal is simple: fair compensation for your losses in South Padre Island.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in South Padre Island allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like laminectomy or discectomy. Don’t accept “You didn’t follow doctor’s orders.” at face value.
• ❓Will a gap in my medical care ruin my case in South Padre Island?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We’re waiting on statements from witnesses.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Chubb) often second-guess medical care to cut payouts. For clients such as a passenger in speeding vehicle crash with ACL/MCL tear, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.