After spending most of her professional career handling insurance claims and managing personnel issues for employers, 73-year-old Jane Hays got to learn the ins and outs of the Texas workers’ compensation system. Never did she imagine she’d one day make a work injury claim herself. Never in her wildest dreams did she see herself fighting a denial. But when she had a head-on collision on her way home to Temple from a work meeting outside Houston this summer, Hays’ world was literally and figuratively turned upside down.