General Personal Injury FAQs — Wichita Falls

• ❓What should I do if American Strategic Insurance says “The medical records aren’t sufficient.” after my Wichita Falls crash?
  Insurers like American Strategic Insurance often use lines such as “The medical records aren’t sufficient.” to stall or minimize claims. Even injuries like radial head fracture can be life-changing. In Wichita Falls, we gather medical proof, challenge delay tactics, and, if needed, push for a binding arbitration resulted in favorable award — outcomes in our files include results up to 1.34M.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Chubb) often second-guess medical care to cut payouts. For clients such as a commuter hit in crosswalk with posterior hip dislocation, 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 binding arbitration resulted in favorable award. Our case histories include results such as 1.23M. The goal is simple: fair compensation for your losses in Wichita Falls.
• ❓An adjuster told me “We have to confirm if your policy was active..” Can a Wichita Falls personal injury lawyer still help?
  Yes. Adjusters regularly say “We have to confirm if your policy was active.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Aspire General. If they won’t deal fairly, we prepare for a binding arbitration resulted in favorable award and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Wichita Falls?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The damage doesn’t match your account of the crash.,” 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 Wichita Falls allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like skull fracture. Don’t accept “This is the most we’re allowed to offer.” at face value.