General Personal Injury FAQs — Hawkins

• ❓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 structured settlement agreement reached. Our case histories include results such as 1.98M. The goal is simple: fair compensation for your losses in Hawkins.
• ❓What should I do if Loya Insurance Group says “You returned to work too quickly to justify lost wages.” after my Hawkins crash?
  Insurers like Loya Insurance Group often use lines such as “You returned to work too quickly to justify lost wages.” to stall or minimize claims. Even injuries like labral tear (shoulder) can be life-changing. In Hawkins, we gather medical proof, challenge delay tactics, and, if needed, push for a structured settlement agreement reached — outcomes in our files include results up to 2.06M.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Hawkins allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like distal radius fracture. Don’t accept “You’re not permanently impaired.” at face value.
• ❓An adjuster told me “There’s a question about your seatbelt use..” Can a Hawkins personal injury lawyer still help?
  Yes. Adjusters regularly say “There’s a question about your seatbelt use.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Alpha Property & Casualty. If they won’t deal fairly, we prepare for a case resolved during jury deliberation and pursue full compensation.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., American Strategic Insurance) often second-guess medical care to cut payouts. For clients such as a commuter hit in crosswalk with compound fracture of the leg, we use treating-physician opinions, imaging, and billing audits to prove care was reasonable and related to the crash.
• ❓Will a gap in my medical care ruin my case in Hawkins?
  Not necessarily. Life, work, and delayed onset symptoms happen. We explain the timeline and connect you with appropriate providers. When adjusters say “This is the most we’re allowed to offer.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.