Any injury may be severe, but what makes it catastrophic? Someone truly says that a minor medical procedure could be major for the patient, and that says it rightly. Therefore any injury that can change your life even temporarily can appear catastrophic.
But how to know if your injury can be classified as catastrophic and qualify for insurance claims or damage recovery?
What is a catastrophic injury?
A severe injury that causes debilitation or long-term disability can be classified as catastrophic when that prevents a person from doing any gainful work.
A catastrophic injury often leads to deformity or loss of capacity, either mental or physical, like a traumatic brain injury, amputation, or paralysis.
If you are the victim or someone you know, you will be interested in the information we are going to share now. Your medical treatment could be intimidating, expansive, and worrisome because you have to bear the expenses when you are not in the situation of doing any work. And getting your damage recovery or insurance claims are daunting. This is why you will need personal injury attorneys to help you sail through this phase of trauma and anxiety.
The common cause of catastrophic injuries
There may be various reasons for such injuries, below are mentioned some common causes.
- Motor vehicle accidents
- Worksite accidents
- Accidents in swimming pools
- Defective pharmaceuticals
- Product defects
- Sports injuries
- Slip and fall accidents due to other’s negligence
- Medical malpractices
No matter what caused your injury, your priority would be your recovery and claiming monetary compensation for the damage.
What expenses are covered in catastrophic injury legal claims?
In a scenario like catastrophic injuries, you will need monetary assistance in the present as well as with your future security in mind.
The recovery expenses can include the following:
- Medical treatment
- Lost wages
- Loss of earning income in the future
- Assistive devices
- Loss of companionship with a spouse
- Psychological counseling to lower stress
- Caregivers or health aides
In personal injuries, the victim is not just affected; his or her family also suffers. So, it is imperative to do the calculation while keeping complete concern.
Calculation of damages
Besides the points mentioned above, the compensation also includes the pain and suffering caused by injuries that caused the loss of happiness, comfort, and opportunities that you will miss due to the accident.
The best person to help you with calculating damages is your lawyer, who knows about all aspects and clauses and can work wisely with accountants, and other financial experts to determine how much recovery you should claim, not just keeping the present situation in mind but also prospects.
Besides the cost of treatment and other economic damages, the tricky part is to calculate about future losses and also the worth of your suffering, trauma, loss of consortium, and many other losses that cannot be defined with monetary value.
What to do after a catastrophic injury
The first and foremost thing is to focus on your recovery. Simultaneously consult a lawyer to explore your legal options if the accident is due to someone’s fault or negligence.
A catastrophic injury may cause huge medical expenditure and personal losses. Sometimes, the cost might cross the limits of insurance policies. The only option left is to get recovery another way through legal counseling and bringing a lawsuit against the faulty person or entity responsible for your injury.
When the stakes are high, personal injury attorneys can help you. You need to hire an experienced and reputed lawyer, as he would be a good fit for your case.