Broken bone injuries are sometimes treated like “minor” claims at first—until treatment progresses. In Prosper, disputes commonly start when adjusters argue one of these points:
- The injury is “not consistent” with the incident you reported.
- The fracture was “pre-existing” (even if symptoms began after the crash/fall).
- You waited too long to get evaluated.
- Your documented limits at work don’t match their version of events.
Fracture claims are often won or lost on causation and documentation—not just the fact that a bone was injured.


