I met with a new prospective client today. She got into a pretty bad rear end accident and suffered some severe neck pain. She was taken by ambulance to the ER and they recommended she follow up with her doctors. Every time she tried to call, she got poor service. They would not schedule her or would claim her health insurance didn't cover this or that. Essentially, she was given the run around. While it certainly wasn't her fault, she waited 2 months before she saw me for a consultation. As a result, she had not had any physical therapy for about 2 months. I told her the insurance company for the other party would certainly use that gap against her. Even though she had perfectly legitimate explanations, and had suffered a strong impact, her case would probably be worth less because of the delay in commencement of treatment. That isn't always the case, but the insurance companies routinely use lags in treatment to defend and minimize accident claims.