General Personal Injury FAQs — Hodge

• ❓Will a gap in my medical care ruin my case in Hodge?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “We’re waiting on a supervisor’s approval.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “This is the most we’re allowed to offer..” Can a Hodge personal injury lawyer still help?
  Yes. Adjusters regularly say “This is the most we’re allowed to offer.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Nationwide. If they won’t deal fairly, we prepare for a out-of-court settlement following litigation and pursue full compensation.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Grange Insurance) often second-guess medical care to cut payouts. For clients such as a commercial van driver with brain herniation, 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 verdict rendered after trial in 2nd Judicial District Court. Our case histories include results such as 710K. The goal is simple: fair compensation for your losses in Hodge.
• ❓What should I do if Loya Insurance Group says “We don’t believe the treatment was necessary.” after my Hodge crash?
  Insurers like Loya Insurance Group often use lines such as “We don’t believe the treatment was necessary.” to stall or minimize claims. Even injuries like disfiguring limb deformity can be life-changing. In Hodge, we gather medical proof, challenge delay tactics, and, if needed, push for a verdict rendered after trial in 2nd Judicial District Court — outcomes in our files include results up to 1.38M.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Hodge allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like cervical disc replacement. Don’t accept “The police report is inconclusive.” at face value.