General Personal Injury FAQs — Stephenville

• ❓Will a gap in my medical care ruin my case in Stephenville?
  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 miss enough work to qualify for compensation.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓What should I do if State Farm says “The bills are higher than reasonable market value.” after my Stephenville crash?
  Insurers like State Farm often use lines such as “The bills are higher than reasonable market value.” to stall or minimize claims. Even injuries like dislocated patella can be life-changing. In Stephenville, we gather medical proof, challenge delay tactics, and, if needed, push for a damages awarded in settlement conference — outcomes in our files include results up to 1.3M.
• ❓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 damages awarded in settlement conference. Our case histories include results such as 884K. The goal is simple: fair compensation for your losses in Stephenville.
• ❓An adjuster told me “We can’t verify your medical provider’s credentials..” Can a Stephenville personal injury lawyer still help?
  Yes. Adjusters regularly say “We can’t verify your medical provider’s credentials.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Shelter Insurance. If they won’t deal fairly, we prepare for a case concluded with settlement in 266th Judicial District Court and pursue full compensation.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Stephenville allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like lumbar spine injury. Don’t accept “The police report is inconclusive.” at face value.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Homesite Insurance) often second-guess medical care to cut payouts. For clients such as a Uber driver with extensor tendon injury, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.