General Personal Injury FAQs — Ruston

• ❓Will a gap in my medical care ruin my case in Ruston?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “The policyholder wasn’t clearly at fault.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓An adjuster told me “We’re waiting on a supervisor’s approval..” Can a Ruston personal injury lawyer still help?
  Yes. Adjusters regularly say “We’re waiting on a supervisor’s approval.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like The Hartford. If they won’t deal fairly, we prepare for a case settled during mediation 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 Ruston allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like lumbar spine injury. Don’t accept “The photos you submitted aren’t clear.” at face value.
• ❓What should I do if Horace Mann says “The police report is inconclusive.” after my Ruston crash?
  Insurers like Horace Mann often use lines such as “The police report is inconclusive.” to stall or minimize claims. Even injuries like esophageal tear can be life-changing. In Ruston, we gather medical proof, challenge delay tactics, and, if needed, push for a six-figure settlement finalized in 3rd Judicial District Court — outcomes in our files include results up to 768K.
• ❓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 six-figure settlement finalized in 3rd Judicial District Court. Our case histories include results such as 2.02M. The goal is simple: fair compensation for your losses in Ruston.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Stillwater Insurance) often second-guess medical care to cut payouts. For clients such as a pedestrian hit while crossing at green light with injury requiring bone grafting, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.