In a lot of Calhoun cases, the accident happens first—then the body “catches up.” Symptoms can show up later due to swelling, delayed bleeding, inflammation, or the way internal tissue reacts to impact.
That timeline gap is where adjusters frequently try to create doubt, such as:
- suggesting your symptoms are unrelated to the crash/fall
- arguing you waited too long to get imaging or follow-up care
- claiming you didn’t report the same symptoms consistently
To protect your claim, you need a clear record of:
- what you felt immediately after the incident
- when symptoms worsened
- when you sought care (and what the clinicians recorded)
A lawyer can help you translate that timeline into a causation story that insurance can’t dismiss as “too delayed” or “too minor.”


