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Kim Cullen, a personal injury attorney in Winter Park, Florida, discusses the challenges faced by clients who have sustained injuries requiring surgical intervention. Many clients choose to postpone surgery while seeking to settle their personal injury claims. However, this decision often leads to frustration, as insurance companies typically refuse to cover the full costs of surgery until it is completed. This practice stems from the insurance companies' experience with claims and jury verdicts, which leads them to have a good understanding of case values. Clients need to be aware of this dynamic when navigating their cases.