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The Basic Elements of a Catastrophic Injury

Updated on April 13, 2017

A catastrophic injury is one that can permanently prevent a person from gainful employment or even having a good quality of life. Typically, catastrophic injuries occur without warning, and they can leave a victim with long-term or permanent disabilities.

In a personal injury claim, catastrophic injuries tend to have higher settlement amounts, but this is due to the long-term care and suffering the victim is likely to endure as a result.

Examples of Catastrophic Injuries

  • Burns

  • Traumatic Brain Injury (TBI)

  • Brachial Plexus Injuries

  • Organ Damage

  • Spinal Cord Injury

  • Permanent Disfigurement

  • Amputation

  • Multiple Bone Fractures

The IME: Insurance Adjusters Will Want Medical Proof

When making a claim for a catastrophic injury, be prepared for the insurance company to request an Independent Medical Examination (IME). This examination is where a doctor of the insurance company’s selection examines you. There will be a review of your medical records along with a physical exam. The doctor provides his or her report to the insurance company, and your attorney, for consideration after.

In the IME, the physician assigned looks for indications of injury severity, verifies prognosis, and determines if your current course of treatment is accurate.

Filing a Claim for a Catastrophic Injury

If a catastrophic injury occurs because of negligence or the intentional acts of another person, personal injury laws allow the victim to collect compensation for their injury. The compensation you receive will depend on the extent of your injury, but most likely will include:

  • Medical costs and future medical care;

  • Compensation for a reduced quality of life;

  • Loss of enjoyment of life;

  • Lost wages;

  • Mental anguish;

  • Pain and suffering;

  • Loss of future salaries;

  • Permanent disability and associated costs.

Speak with a Personal Injury Regarding Your Catastrophic Injury Today

If you or a loved one has suffered a catastrophic injury, you may be entitled to compensation. To examine your options, it is best that you speak with a personal injury attorney in the area that has experience with similar types of injury cases.

Booking a consultation as soon as possible is best because the law limits how much time you must file your personal injury claim.

For your injury case, meet with a personal injury attorney from Herman, Herman & Katz, LLC today. We offer free case reviews, which you can schedule now at 844-973-7626 or by contacting us online.


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