A fracture can be real but still disputed. In practice, insurers frequently focus on questions like:
- Whether the injury mechanism matches the fracture type shown on imaging
- Whether symptoms started when you said they did
- Whether treatment was delayed or modified and how that affects causation
- Whether you reported the injury consistently across medical visits
In Berkley, this matters because many residents split time between commuting routes, errands close to home, and work obligations. If your injury story is scattered across different providers, or if early records are incomplete, the claim can get treated as uncertain.
Our goal is to help you present a coherent record early—before gaps become leverage for the defense.


