General Personal Injury FAQs — Spearman

• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Spearman allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like compound fracture of the leg. Don’t accept “We need an independent medical examination.” at face value.
• ❓Will a gap in my medical care ruin my case in Spearman?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The bills are higher than reasonable market value.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓What should I do if American Family Insurance says “You can’t prove emotional distress.” after my Spearman crash?
  Insurers like American Family Insurance often use lines such as “You can’t prove emotional distress.” to stall or minimize claims. Even injuries like herniated disc can be life-changing. In Spearman, we gather medical proof, challenge delay tactics, and, if needed, push for a six-figure settlement finalized in 84th Judicial District Court — outcomes in our files include results up to 1.02M.
• ❓An adjuster told me “The damage doesn’t match your account of the crash..” Can a Spearman personal injury lawyer still help?
  Yes. Adjusters regularly say “The damage doesn’t match your account of the crash.,” 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 awarded damages in 84th Judicial District Court and pursue full compensation.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Nationwide) often second-guess medical care to cut payouts. For clients such as a teen passenger injured in friend’s car with Lisfranc injury, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓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 six-figure settlement finalized in 84th Judicial District Court. Our case histories include results such as 1.29M. The goal is simple: fair compensation for your losses in Spearman.