General Personal Injury FAQs — Waco

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., The Hartford) often second-guess medical care to cut payouts. For clients such as a child struck exiting school bus with knee replacement after accident, 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 settlement reached before trial in 74th Judicial District Court. Our case histories include results such as 662K. The goal is simple: fair compensation for your losses in Waco.
• ❓What should I do if Mercury Insurance says “You didn’t see a specialist.” after my Waco crash?
  Insurers like Mercury Insurance often use lines such as “You didn’t see a specialist.” to stall or minimize claims. Even injuries like clavicle fracture can be life-changing. In Waco, we gather medical proof, challenge delay tactics, and, if needed, push for a settlement reached before trial in 74th Judicial District Court — outcomes in our files include results up to 2.33M.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Waco allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like scarring after reconstructive surgery. Don’t accept “We don’t believe the treatment was necessary.” at face value.
• ❓Will a gap in my medical care ruin my case in Waco?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “Your injury doesn’t meet our definition of serious.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “You didn’t report the injury immediately..” Can a Waco personal injury lawyer still help?
  Yes. Adjusters regularly say “You didn’t report the injury immediately.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like ACCC Insurance Company. If they won’t deal fairly, we prepare for a structured settlement agreement reached and pursue full compensation.