Multiple Broken Bones After a California Collision: How Insurance Companies Undervalue Long-Term Recovery

Broken bones are among the most common injuries in California car crashes, but when a collision causes multiple fractures, the impact on a person’s life is far more serious than many insurance companies admit. Victims often require surgeries, immobilization, assistive devices, and months of physical therapy. Despite this, insurers frequently treat multiple fractures as short-term injuries, ignoring the long-lasting physical, financial, and emotional consequences that follow.

Understanding why insurers undervalue these claims can help injury victims protect themselves during the recovery process.

Why Multiple Fractures Are More Serious Than They Seem

A single broken bone can disrupt a person’s routine for weeks. Multiple fractures can change their life for months or sometimes permanently. These injuries often occur when vehicles collide at high speeds or when a victim is struck from the side. The severity is magnified when larger bones, such as the femur, pelvis, or spine, are involved.

Victims often experience challenges such as:

• Limited mobility that affects work, transportation, and daily tasks.
• Extended time away from employment or school.
• Difficulty sleeping, dressing, bathing, or caring for children.
• Ongoing pain that persists long after the bone has technically healed.
• Emotional stress caused by loss of independence and physical limitations.

These hardships should be factored into a claim, yet insurers rarely account for them without strong legal advocacy.

The Long-Term Impact of Surgery and Rehabilitation

Multiple broken bones often require surgical repair, including plates, screws, rods, or external fixation devices. Recovery does not end when the cast comes off. Many victims face long rehabilitation periods filled with physical therapy, follow-up appointments, and possible complications.

Long-term effects can include:

• Chronic pain from hardware placement.
• Limited range of motion that affects work and recreational activities.
• Muscle weakness from prolonged immobilization.
• Scar tissue and nerve damage.
• The need for future surgeries or hardware removal.

These realities significantly affect a person’s quality of life, yet insurance companies often evaluate only initial medical bills and overlook the lasting consequences.

Why Insurance Companies Undervalue These Claims

Insurers often rely on standard formulas that do not reflect the actual cost of multiple fractures. Their goal is to minimize payouts, and they usually assume that once bones heal, the victim is “back to normal.” This approach ignores the physical and financial burdens that can linger long after initial treatment ends.

Common tactics insurers use include:

• Focusing only on emergency room and surgical bills.
• Downplaying the need for long-term therapy or follow-up treatment.
• Ignoring the emotional and psychological toll of prolonged recovery.
• Minimizing lost income, especially when victims cannot return to full capacity.
• Treating chronic pain as unrelated or exaggerated.

Without legal help, many victims end up accepting settlements that fail to support their long-term needs.

How Multiple Fractures Affect Employment and Daily Life

Many victims are unable to return to work right away, particularly if their job requires lifting, standing, driving, or repetitive movement. Even office workers may struggle with mobility, pain, or fatigue. Insurance companies frequently underestimate the actual financial impact of missed work and reduced productivity.

Daily routines may be affected by:

• Difficulty walking or climbing stairs.
• Inability to lift children or household items.
• Dependence on family members for basic tasks.
• Restrictions that limit hobbies, exercise, or social activities.

These limitations deserve compensation because they directly affect a victim’s independence and daily functioning.

How Our Attorneys Strengthen a Multiple-Fracture Injury Claim

Proving the full impact of multiple broken bones requires more than medical records. Our experienced San Jose personal injury attorneys can gather evidence demonstrating the long-term consequences of these injuries and ensure the insurance company cannot ignore them.

Our attorneys can help by:

• Documenting the full scope of medical care, including expected future treatment.
• Working with medical experts who understand the long-term effects of fractures.
• Calculating lost income and diminished earning capacity.
• Demonstrating how pain, mobility issues, and lifestyle limitations affect daily life.
• Negotiating aggressively to prevent insurers from undervaluing the claim.

With professional support, victims can pursue compensation that truly accounts for their long-term recovery.

Speak With Our San Jose Personal Injury Attorneys Today

If you suffered multiple broken bones in a collision, you deserve compensation that reflects the full impact of your injuries. Solution Now Law Firm helps injured victims in Santa Clara County understand their rights and pursue the financial support they need during a long recovery. Our team is committed to protecting your future and holding insurers accountable. Call 408-256-2871 or contact us online to schedule a free consultation.