General Personal Injury FAQs — Live Oak

• ❓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 out-of-court settlement following litigation. Our case histories include results such as 1.34M. The goal is simple: fair compensation for your losses in Live Oak.
• ❓How do I respond if the adjuster claims my injuries were pre-existing?
  Even if you had prior issues, the law in Live Oak allows recovery when a crash aggravates a condition. We show the before/after difference with records and expert testimony — critical for injuries like degenerative changes from trauma. Don’t accept “There are inconsistencies in your account.” at face value.
• ❓Will a gap in my medical care ruin my case in Live Oak?
  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 miss enough work to qualify for compensation.,” we counter with consistent documentation so the insurer can’t weaponize normal scheduling gaps.
• ❓What should I do if Branch Insurance says “There’s insufficient evidence of impact severity.” after my Live Oak crash?
  Insurers like Branch Insurance often use lines such as “There’s insufficient evidence of impact severity.” to stall or minimize claims. Even injuries like scaphoid fracture can be life-changing. In Live Oak, we gather medical proof, challenge delay tactics, and, if needed, push for a out-of-court settlement following litigation — outcomes in our files include results up to 1.83M.
• ❓The insurance company says my treatment wasn’t necessary — do I have options?
  Absolutely. Carriers (e.g., Direct Auto Insurance) often second-guess medical care to cut payouts. For clients such as a driver rear-ended at red light with metacarpal 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 pain you’re describing is subjective..” Can a Live Oak personal injury lawyer still help?
  Yes. Adjusters regularly say “The pain you’re describing is subjective.,” even when liability and damages are strong. We document fault with police reports, witnesses, and experts, then negotiate with carriers like Farmers Insurance. If they won’t deal fairly, we prepare for a case resolved during jury deliberation and pursue full compensation.