Many injury claims stall after the first denial, delay, or lowball offer. In Hobbs, insurers frequently argue one of these:
- The stairs “weren’t that dangerous” (they downplay the condition)
- You were partly responsible (comparative fault arguments)
- The injury isn’t connected to the fall (especially if treatment started late or records are incomplete)
- Notice is missing (no proof anyone knew about the hazard before you fell)
A strong case usually comes down to documentation and timing—things that can be lost when people wait too long to act.


