After a fracture, it’s common for an insurer to push back with one of these themes:
- “It could have been from something else.” They may argue the injury wasn’t caused by the incident.
- “You waited too long.” They may claim delayed treatment means the mechanism doesn’t match.
- “It’s not that serious.” They may downplay long-term limitations like reduced grip strength, lingering pain, or delayed healing.
These disputes are especially common when the incident happened in a place with multiple potential causes—such as a parking lot, apartment complex walkway, construction-adjacent area, or a roadway with heavy traffic where witness accounts can differ.


