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In this tutorial, personal injury attorney Kim Cullen discusses challenges faced by clients in Winter Park, Florida, who have been injured and may need surgery. Many clients choose to delay surgery while awaiting settlement of their personal injury cases. However, insurance companies often refuse to pay the full value of the surgery costs until the procedure is completed. Cullen emphasizes that insurance companies aim to minimize payouts based on their experience and knowledge of jury verdicts, which informs them of a case's typical value. This situation leads to frustration among clients who are counting on timely settlements to cover medical expenses.