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In this video, personal injury attorney Kim Cullen discusses the challenges faced by clients who have been injured and need surgery but choose to postpone the procedure while hoping to settle their personal injury cases. Many are frustrated to learn that insurance companies often refuse to pay for the full value of the surgery until it is performed. Cullen highlights that insurance companies typically aim to minimize their payouts based on claims experience and jury verdicts, making it difficult for clients who delay surgery to receive fair compensation. Understanding this dynamic is essential for clients navigating their injury cases.