Updated October 21, 2026 The handrail in your Bed-Stuy walk-up gave way, and you landed hard on your outstretched arm and twisted knee. An MRI shows a full-thickness rotator cuff tear and a torn meniscus. Your orthopedic surgeon says you'll need surgery on both, but between work, kids, and fear of the operating room, you haven't scheduled it. Now the adjuster says your case is worth a fraction of its value because you "haven't had the surgery yet." That discount isn't the law