General Personal Injury FAQs — Temple

• ❓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 691K. The goal is simple: fair compensation for your losses in Temple.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., USAA) often second-guess medical care to cut payouts. For clients such as a parent injured while transporting child with lumbar disc replacement, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓What should I do if Infinity Property & Casualty says “The at-fault driver’s policy may be void.” after my Temple crash?
  Insurers like Infinity Property & Casualty often use lines such as “The at-fault driver’s policy may be void.” to stall or minimize claims. Even injuries like fractured tibia or fibula can be life-changing. In Temple, 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 710K.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Temple allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like permanent disability from injury. Don’t accept “We need more documentation.” at face value.
• ❓An adjuster told me “We need an independent medical examination..” Can a Temple personal injury lawyer still help?
  Yes. Adjusters regularly say “We need an independent medical examination.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Foremost Insurance. If they won’t deal fairly, we prepare for a multi-million dollar verdict from 146th Judicial District Court and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Temple?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The medical records aren’t sufficient.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.