Yes - but Arkansas does not treat every claim the same, and that is where people get trapped.

Most people assume the insurance company's doctor is the one that counts. In Arkansas, that is not automatically true. If this is a regular injury claim after a car wreck in Little Rock, the adjuster can send you to an exam, but that doctor usually works for the insurer. You can still be treated by your own doctor, and records from UAMS Medical Center or another treating specialist can carry more weight than a one-time insurance exam.

Workers' comp is different, and many people miss this. If you were hurt on the job, the claim goes through the Arkansas Workers' Compensation Commission. Your employer or its carrier usually controls the initial doctor choice. If you want to switch, you often need a formal change-of-physician request. If you just start seeing your own doctor without approval, the carrier may refuse to pay those bills.

That practical difference matters right now:

• Car wreck claim: get your own evaluation fast, especially if the insurer's doctor says your spleen injury, internal bleeding, or chemical exposure symptoms are "minor" or unrelated.
• Workers' comp claim: ask immediately whether your doctor is authorized and whether a change of physician was approved by the Commission.
• Any claim: ask for an interpreter and translated paperwork before signing anything. Do not rely on the adjuster's summary.

Time is tight at year-end because carriers push quick settlements before renewals and reserve reviews. Also remember Arkansas has a 3-year statute of limitations for most personal injury lawsuits, and Arkansas uses modified comparative fault - if you are 50% or more at fault, you recover nothing. A bad insurance-doctor report left unchallenged can hurt both medical treatment and fault arguments fast.