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Kim Cullen, a personal injury attorney in Winter Park, Florida, discusses the challenges faced by clients who have been advised to undergo surgery following accidents. Many clients choose to delay surgery while aiming to settle their personal injury cases. However, insurers often refuse to pay the full value of the surgery until the procedure is completed. This can lead to frustration for those delaying surgery, as insurance companies typically seek to minimize payouts based on claims experience and jury verdicts, making them aware of the expected value of a case when a plaintiff is involved.