After an amputation injury, insurers commonly argue one of two things:
- You caused or worsened the outcome (for example, delayed reporting, refusal of certain treatment, or gaps in follow-up care).
- The injury wasn’t caused by the incident (they point to pre-existing conditions or claim complications were unavoidable).
Because California requires proof that the defendant’s conduct was a substantial factor in the harm, the case must line up medical records with the incident timeline. That’s especially critical when the injury evolves—crush injuries, vascular damage, infections, and surgical complications can unfold over days or weeks.


