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Kim Cullen, a personal injury attorney in Winter Park, Florida, discusses how her firm represents clients involved in various accidents. Many clients, faced with severe injuries, have doctors recommending surgery but choose to delay it while hoping for a settlement in their personal injury cases. This delay often frustrates clients, as insurance companies typically refuse to pay for the full value of the surgery until it has been performed. Cullen explains that insurance companies aim to minimize payouts based on claims experience and prior jury verdicts, which leads them to have a solid grasp of a case’s worth when a plaintiff does not undergo surgery.