Fracture claims frequently stall not because the injury wasn’t serious, but because the story gets contested. In Lombard, common dispute points include:
- “It was already there” arguments when an insurer claims the fracture was pre-existing or unrelated to the incident.
- Causation disputes when the mechanism of injury (how it happened) doesn’t seem to “match” the imaging findings.
- Delay-based challenges when symptoms were underestimated at first or imaging took longer than expected.
Your best protection is building a timeline that stays consistent from the emergency visit onward—so the fracture doesn’t get treated like a side issue.


