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Kim Cullen, a personal injury attorney in Winter Park, Florida, discusses the challenges clients face when considering surgery following accidents. Many clients delay surgery based on various reasons while awaiting settlement of their personal injury cases. However, they often encounter frustration as insurance companies typically refuse to cover the full cost of surgery until it is performed. Due to their experience with claims and jury verdicts, insurance companies tend to minimize payouts and have a clear understanding of a case's worth, complicating the settlement process for clients who postpone medical procedures.