General Personal Injury FAQs — Tatum

• ❓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 teen passenger injured in friend’s car with cranial nerve damage, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “We believe the claim is inflated..” Can a Tatum personal injury lawyer still help?
  Yes. Adjusters regularly say “We believe the claim is inflated.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Root Insurance. If they won’t deal fairly, we prepare for a case concluded with settlement in 123rd 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 award confirmed during arbitration. Our case histories include results such as 724K. The goal is simple: fair compensation for your losses in Tatum.
• ❓What should I do if Direct Auto Insurance says “The at-fault driver’s policy may be void.” after my Tatum crash?
  Insurers like Direct Auto Insurance often use lines such as “The at-fault driver’s policy may be void.” to stall or minimize claims. Even injuries like tethered spinal cord syndrome can be life-changing. In Tatum, we gather medical proof, challenge delay tactics, and, if needed, push for a award confirmed during arbitration — outcomes in our files include results up to 2.44M.
• ❓Will a gap in my medical care ruin my case in Tatum?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You’ve already reached maximum medical improvement.,” 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 Tatum allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like mandibular nerve injury. Don’t accept “There’s a gap in your medical care.” at face value.