General Personal Injury FAQs — Cibolo

• ❓What should I do if The Hartford says “There’s a coverage issue we’re reviewing.” after my Cibolo crash?
  Insurers like The Hartford often use lines such as “There’s a coverage issue we’re reviewing.” to stall or minimize claims. Even injuries like Lisfranc injury can be life-changing. In Cibolo, we gather medical proof, challenge delay tactics, and, if needed, push for a pre-trial settlement in 225th Judicial District Court — outcomes in our files include results up to 1.88M.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Cibolo allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like use of external fixator for bone injury. Don’t accept “Your injury doesn’t meet our definition of serious.” at face value.
• ❓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 pre-trial settlement in 225th Judicial District Court. Our case histories include results such as 2.1M. The goal is simple: fair compensation for your losses in Cibolo.
• ❓An adjuster told me “We’re still evaluating liability with our insured..” Can a Cibolo personal injury lawyer still help?
  Yes. Adjusters regularly say “We’re still evaluating liability with our insured.,” 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 case resolved through court-supervised mediation and pursue full compensation.
• ❓Will a gap in my medical care ruin my case in Cibolo?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We haven’t received your bills yet.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓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 dislocated patella, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.