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. With proper future sur