Many people assume fracture cases are straightforward: an X-ray shows a break, so the claim should be easy. In reality, Franklin claims frequently hinge on questions like:
- Causation: whether the fracture truly resulted from the crash/fall rather than a prior condition
- Timing: whether symptoms and medical visits align with the incident date
- Mechanism of injury: whether the reported impact (or slip) is consistent with the specific fracture pattern
- Contributory arguments: whether an insurer claims the injured person was partly at fault
Franklin’s mix of residential roads, commuter routes, and higher traffic volumes means the “story” matters as much as the imaging. A small gap—like a delayed medical visit or inconsistent wording in early statements—can give an adjuster an opening.


