A fracture can be obvious, but liability is not always. In Chatham and nearby Morris County areas, the most common fracture claims we see tend to involve:
- Automobile crashes on commute routes and merging areas
- Pedestrian incidents near residential streets, sidewalks, and crosswalks
- Property conditions at homes, driveways, and local businesses (ice, uneven surfaces, poor lighting)
- Construction and repair work on residential or neighborhood properties
In these situations, insurers may argue the injury is unrelated, “pre-existing,” or that the accident didn’t cause the exact fracture shown on imaging. The winning cases usually come down to whether the medical record matches the incident story—clearly, consistently, and early.


