Bone fractures represent indisputable structural damage that eliminates an insurance company’s ability to dispute injury causation. Valuation hinges on whether the fracture was non-displaced (treated via simple casting) or complex/comminuted requiring operative fixation.
Diagnostic Requirement 1
Multi-view radiographic X-ray series or computed tomography (CT) 3D scans confirming acute cortical disruption, displacement, or comminution.
Diagnostic Requirement 2
Surgical operative reports for Open Reduction and Internal Fixation (ORIF) detailing the placement of titanium plates, interfragmentary screws, or intramedullary rods.
Diagnostic Requirement 3
Orthopedic clinical follow-up notes tracking bone union, callus formation, and potential non-union or post-traumatic osteoarthritic changes.
Diagnostic Requirement 4
Physical therapy discharge summaries measuring residual joint stiffness, muscle atrophy, and permanent loss of functional range.
Maximum Medical Improvement (MMI) for Broken Bones
The typical recovery window to reach Maximum Medical Improvement (MMI) for this diagnosis is 3 to 12 months depending on whether surgical hardware was implanted.. Under District of Columbia insurance claims standards, executing a release of liability before reaching MMI permanently forfeits your right to compensation for ongoing medical complications or permanent impairment.