Fractures are visible on imaging, but insurers don’t always accept them as “caused by the crash” or “as serious as reported.” In practice, disputes commonly start with:
- Mechanism arguments (they claim the crash impact wasn’t enough to cause the fracture you were diagnosed with)
- Timing disagreements (they argue the injury was pre-existing or not connected to the event date)
- Treatment gaps (they point to delays in follow-up care, even when scheduling or transportation created the delay)
When liability is contested, your case depends on whether your medical records and incident documentation tell a consistent story.


