General Personal Injury FAQs — Tom Bean

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Safe Auto Insurance) often second-guess medical care to cut payouts. For clients such as a cyclist hit by delivery van with rotator cuff tear, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Tom Bean allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like retinal detachment. Don’t accept “There are inconsistencies in your account.” at face value.
• ❓An adjuster told me “You were partially at fault for the accident..” Can a Tom Bean personal injury lawyer still help?
  Yes. Adjusters regularly say “You were partially at fault for the accident.,” 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 settlement reached post-verdict in 59th Judicial District Court and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Tom Bean?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We need to confirm your insurance coverage.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓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 compensation awarded during mediation process. Our case histories include results such as 814K. The goal is simple: fair compensation for your losses in Tom Bean.
• ❓What should I do if Farmers Insurance says “The collision was too minor to cause injury.” after my Tom Bean crash?
  Insurers like Farmers Insurance often use lines such as “The collision was too minor to cause injury.” to stall or minimize claims. Even injuries like hemothorax can be life-changing. In Tom Bean, we gather medical proof, challenge delay tactics, and, if needed, push for a compensation awarded during mediation process — outcomes in our files include results up to 1.74M.