General Personal Injury FAQs — Rayne

• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Loya Insurance Group) often second-guess medical care to cut payouts. For clients such as a passenger in rollover crash with severe hand crush injury, 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 damages awarded in settlement conference. Our case histories include results such as 2.43M. The goal is simple: fair compensation for your losses in Rayne.
• ❓An adjuster told me “The policyholder wasn’t clearly at fault..” Can a Rayne personal injury lawyer still help?
  Yes. Adjusters regularly say “The policyholder wasn’t clearly at fault.,” 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 jury decision in favor of the plaintiff in 15th Judicial District Court and pursue full compensation.
• ❓What should I do if Clearcover says “The damage doesn’t match your account of the crash.” after my Rayne crash?
  Insurers like Clearcover often use lines such as “The damage doesn’t match your account of the crash.” to stall or minimize claims. Even injuries like collapsed lung (pneumothorax) can be life-changing. In Rayne, we gather medical proof, challenge delay tactics, and, if needed, push for a damages awarded in settlement conference — outcomes in our files include results up to 1.39M.
• ❓Will a gap in my medical care ruin my case in Rayne?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “You didn’t see a specialist.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Rayne allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like chemical burns to face or limbs. Don’t accept “Your injury doesn’t meet our definition of serious.” at face value.