Many broken-bone claims start with a simple injury report—then insurers narrow the story to minimize payout.
In San Marcos, common dispute patterns include:
- “It doesn’t match the crash.” Adjusters may argue the impact wasn’t strong enough for the fracture described.
- “You had an old problem.” They may suggest degenerative issues, prior injuries, or “pre-existing” symptoms explain what you’re experiencing now.
- “You waited too long.” If diagnosis or follow-up imaging took time, they may claim the fracture wasn’t caused by the incident.
Your goal shouldn’t be to win an argument—it should be to build a claim where your medical findings line up with the incident and your recovery path.


