You were rear-ended by a box truck on the West Side Highway near West 57th Street in Manhattan. Surgeons at a Midtown hospital fused two vertebrae to stabilize a burst fracture pressing on your spinal cord, and you spent weeks relearning how to walk. Months later, between the co-pays, the exhaustion, and a job you can't afford to lose, you quietly stop going to physical therapy. That quiet decision — what insurance lawyers call a gap in treatment — may be the single most dang