In Lima, it’s common for claims to get delayed or minimized when key records are incomplete—especially when symptoms change after the initial ER visit or when follow-up imaging happens later.
Adjusters may ask you to explain:
- Why you waited to seek care (even a short delay)
- Whether the injury could be related to something else
- Whether the fracture matches the incident you described
The goal is usually to reduce the value of your claim. The solution is to organize your medical timeline early and keep your evidence consistent as treatment progresses.


