Many people assume the hard part is proving the bone was broken. In practice, the dispute is often about causation—whether the incident you reported is the mechanism that matches the fracture findings in your imaging and treatment notes.
In Lebanon and throughout New Hampshire, insurers commonly look for reasons to narrow exposure, such as:
- Gaps in the medical timeline (how soon you were evaluated, and what was documented)
- Conflicting symptom descriptions (what you said at the time vs. what later records reflect)
- Alternative explanations (pre-existing issues or “unrelated” causes)
That’s why your claim benefits from being organized around a clear incident narrative: where you were, what happened, what you felt immediately afterward, and how clinicians described and treated the injury.


