General Personal Injury FAQs — Choctaw

• ❓What should I do if Loya Insurance Group says “You didn’t go to the emergency room.” after my Choctaw crash?
  Insurers like Loya Insurance Group often use lines such as “You didn’t go to the emergency room.” to stall or minimize claims. Even injuries like fractured humerus can be life-changing. In Choctaw, we gather medical proof, challenge delay tactics, and, if needed, push for a jury awarded damages in 17th Judicial District Court — outcomes in our files include results up to 745K.
• ❓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 jury awarded damages in 17th Judicial District Court. Our case histories include results such as 708K. The goal is simple: fair compensation for your losses in Choctaw.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Kemper Corporation) often second-guess medical care to cut payouts. For clients such as a agriculture worker hit by machinery with femoral shaft fracture, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓An adjuster told me “The bills are higher than reasonable market value..” Can a Choctaw personal injury lawyer still help?
  Yes. Adjusters regularly say “The bills are higher than reasonable market value.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Texas Farm Bureau. If they won’t deal fairly, we prepare for a damages awarded in settlement conference and pursue full compensation.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Choctaw allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like orbital nerve damage. Don’t accept “We don’t believe the vehicle speed contributed.” at face value.
• ❓Will a gap in my medical care ruin my case in Choctaw?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “Our evaluation doesn’t match your claim.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.