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In this video, Kim Cullen, a personal injury attorney in Winter Park, Florida, discusses the challenges faced by clients who delay necessary surgeries after accidents. Many clients, despite doctors recommending surgery, choose to postpone it while hoping for a settlement in their personal injury cases. This leads to frustration when they discover that insurance companies often refuse to pay the full value of the surgeries until the procedures are completed. Cullen highlights that insurance companies typically aim to minimize their payouts, relying on claims experience and jury verdicts to assess case values, which can impact the resolution of cases involving delayed medical treatment.