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[Music] hi my name is Kim Cullen and Im a personal injury attorney in Winter Park Florida we represent people whove been involved in a wide variety of accidents and some of our clients are injured docHubly enough that their doctors have recommended surgery for them in many of those cases and for a multitude of reasons our clients decide to delay or put off having surgery and at the same time they also hope to get their personal injury cases settled many of the people who are putting off surgery for the time being are really frustrated to find out that the insurance companies on the other sides of their cases dont want to pay the full value of the surgery until or unless they actually have the surgery this might come as a newsflash to some people but insurance companies typically dont want to pay more money than they have to to resolve cases based upon claims experience and actual jury verdicts insurance companies have a pretty good idea of what a case is worth when a plaintiff