Some types of injuries are far worse than others. A catastrophic injury is so severe that it causes permanent medical complications. Brain injuries, amputations, crush injuries and spinal cord injuries are all frequently catastrophic.
They cause permanent changes to an individual’s health and functional capabilities. They generate tens of thousands of dollars in medical expenses and interfere with the ability to work. It only takes a second for something to go wrong and cause a catastrophic injury, and those dealing with the aftermath of an unexpected incident may require support to recoup their economic losses.
What causes catastrophic injuries?
Catastrophic injuries can occur at work, especially for those who are in high-risk professions. Explosions and fires in oil and gas extraction can cause catastrophic injuries. Falls from an elevation while working in construction can cause catastrophic injuries. Accidental contact with machinery, car crashes and workplace negligence are also common causes of brain injuries, amputations and spinal cord injuries.
The challenges of securing compensation
There are several challenges that may affect the financial recovery of people with catastrophic injuries. Straightforward car insurance frequently does not provide enough coverage to offset a lifetime of increased medical expenses and decreased earning potential. Especially when considering the emotional impact of a catastrophic injury and the ripple effect it has on a person’s family, the amount of compensation necessary to offset all losses may be much higher than the applicable insurance limits.
Many times, it is necessary to file a personal injury lawsuit after sustaining catastrophic injuries. Drivers who cause crashes, negligent property owners and even businesses are sometimes liable for catastrophic injuries. While workers usually cannot sue their employers for injuries, they can sometimes take legal action against outside parties. Vicarious liability rules make employers responsible when their workers harm others through negligence while on the clock. Product liability might make a business responsible for an equipment malfunction at a construction site.
People may struggle to estimate the financial value of their injuries, gather proof of fault and review the insurance policies that apply. Navigating the legal process can be even more difficult, especially for those dealing with the emotional challenges and physical limitations generated by catastrophic injuries.
Those seeking compensation for catastrophic injuries may need help evaluating their options, navigating insurance claims and preparing for litigation. The support of the lawyer can help people understand their losses and their options for recouping them.