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Kim Cullen, a personal injury attorney in Winter Park, Florida, discusses the challenges faced by clients who delay surgery after accidents. Many clients are advised by doctors to undergo surgery, but they opt to postpone it, hoping to settle their personal injury cases sooner. This decision often leads to frustration as insurance companies tend not to pay the full cost of surgery until it has actually been performed. Insurance firms aim to minimize payouts based on claims experience and jury verdicts, having a clear understanding of a case's worth when plaintiffs hold off on necessary medical procedures.