Catastrophic Injuries

Catastrophic cases fail when they are valued like ordinary injury cases. The medical bills to date are the smallest part of the loss. What matters is the cost of care that has not happened yet: attendant care, home modification, adaptive equipment, replacement surgeries, medication over a lifetime, and the income the person will never earn.

Proving those numbers takes experts — life-care planners, vocational economists, treating specialists — and the willingness to put them in front of a jury. That is the leverage that moves a catastrophic case.

Injuries we handle

• Spinal cord injury, paraplegia, and quadriplegia
• Traumatic brain injury, including injuries that do not show on early imaging
• Amputation and crush injuries
• Severe burns and disfigurement
• Multiple fractures requiring staged surgical reconstruction
• Wrongful death

Finding every layer of coverage

A catastrophic injury will nearly always exceed the first insurance policy available. The work is identifying every additional source: commercial policies, umbrella coverage, underinsured motorist benefits, separately liable companies, and in some cases product manufacturers or premises owners.

We also coordinate with health insurers, Medicare, and Medicaid on lien resolution, because what the family actually keeps at the end depends heavily on how those claims are handled.