What qualifies as a catastrophic injury?
A catastrophic injury typically refers to severe physical harm that causes permanent disability, significant disfigurement, or long-term impairment to a person's quality of life. These injuries often include traumatic brain injuries, spinal cord damage resulting in paralysis, severe burns, amputations, and other conditions requiring extensive medical treatment. The defining characteristic of catastrophic injuries is their long-lasting impact that prevents victims from returning to their pre-injury life, often affecting their ability to work or perform daily activities independently.
How long does it typically take to resolve a catastrophic injury case?
Most catastrophic injury cases take between 18 to 36 months to reach settlement, though complex cases may take longer. This extended timeline is necessary because victims need to reach maximum medical improvement so the full extent of their injuries and future needs can be accurately assessed. Rushing the process could result in underestimating long-term medical costs and care requirements, potentially leaving the injured person without sufficient compensation for lifelong expenses.
What types of compensation are available for catastrophic injury victims?
Compensation for catastrophic injuries typically includes coverage for past and future medical expenses, rehabilitation costs, lost wages, and reduced earning capacity. Victims may also receive damages for pain and suffering, emotional distress, permanent disability, loss of enjoyment of life, and necessary home modifications or assistive equipment. In cases where family members must become full-time caregivers, compensation might include funds for professional in-home care services to relieve this burden.
How are catastrophic injury cases different from standard personal injury claims?
Catastrophic injury cases involve significantly higher damages due to the severity and permanence of the injuries, often resulting in settlements that must cover lifelong medical care and lost earning potential. These cases typically require testimony from multiple medical specialists, economic experts, and life care planners to accurately calculate the full financial impact of the injury. The negotiation process is also more complex, with insurance companies often fighting harder to minimize their financial exposure in these high-value claims.
