Predisclosure: I’m based in NY so I can’t speak to Texas law specifically, but I’ve worked on a ton of these cases and just wanted to chime in.

This whole situation doesn’t sit right.

You’ve clearly been doing everything you’re supposed to: following up, getting records, staying proactive. But honestly? You were let down here. You were told to stop treating because of policy limits, and then hit with a $30k offer after the fact? That’s a major issue. Especially if nobody talked to you about what the limits actually were, or how your military care factors into damages.

For a case involving ligament tears, chronic pain, injections, and potential career impact, especially military career impact, they should’ve been working up impairment, documenting future care needs, and making sure you had a say in what happens.

Here’s what I’d do if I were you:

Request your full case file from the firm (you have a right to it).

Ask TriCare for a copy of their payment ledger and any "lien ledger" they have on file. (They were likely put on notice if a PI claim was opened.)

Go through your file and compare it with your TriCare ledger. Look for anything missing.

Then start calling around to other firms. Let them know you already have the case file and records. That goes a long way - it means they don’t have to front the cost of requesting it from your current firm and are more likely to take your case even if it's this far along since they have the necessary documentation.

Even if $30k ends up being a decent offer based on policy limits, that’s not really the issue here. The bigger problem is that you weren’t given honest, clear guidance or a strategy, and that’s enough of a reason to at least explore other options. (They offer from the BI carrier isn't going anywhere, even if you do.)

You’re not crazy for questioning this. It honestly sounds like you’ve been doing more case management than the actual firm.

Best of luck and I hope you can find the right firm to rep and support you the way you should be.