Catastrophic injury coverage may not cover all of your specialist or rehabilitative medical care, income losses, and non–economic losses after a life-changing accident. While these policies are meant to help with serious injuries, they often contain limits that may leave you responsible for high costs.
Understanding these gaps is important, especially when your future health and long-term care needs are on the line. Our Marietta catastrophic injury lawyers can assess your situation, explain what catastrophic injury coverage can be used for, and pursue the compensation you need to manage your injury and move forward with your life.
Here’s a closer look at this type of coverage and where it might fall short after a serious injury.
Limits on Long-Term Medical Care
If you’re wondering what catastrophic injury coverage does not cover, you should know that some policies restrict how long rehabilitation or specialist care will be covered. Unfortunately, some lifetime care needs exceed policy limits, particularly for spinal cord and brain injuries, which often require expensive care for many years.
Additionally, there may be limits for in–home nursing care and treatment for complications that occur years later. Figuring out what types of coverage are available to you after a severe accident is important.
The good news is that a skilled attorney can help you handle the insurance claims process and pursue as much compensation as possible for your injury. If you’ve sustained a traumatic brain injury (TBI), spinal cord injury, or another serious condition in an accident, reach out to our lawyers today.
Catastrophic Injury Coverage May Not Cover Some Income Losses
If you’ve suffered a severe injury that limits your ability to work, you should know that catastrophic injury coverage for lost wages can apply short-term but may not provide support for lifelong earning losses. In these cases, future lost earning capacity is often disputed by insurers.
You should also know that benefits may not account for career changes forced by permanent physical limitations. At a time like this, it’s best to meet with a dedicated attorney who will explain your coverage and work with insurers to get the best possible settlement for you.
Non-Economic and Quality-of-Life Losses
Unfortunately, some insurance policies may not account for pain and suffering. In these situations, emotional trauma, depression, and anxiety after catastrophic injury are often minimized. If you’re experiencing loss of enjoyment of life and other non-economic struggles after a severe injury, reach out to an attorney.
A lawyer can clarify what catastrophic injury coverage does not cover and work tirelessly to get the damages you need to cope with the emotional pain that your injury has caused. While insurers may want to devalue your claim or minimize your suffering to protect their bottom line, your lawyer will protect your interests and work to get a settlement that meets your needs.
How a Catastrophic Injury Lawyer Will Help You
Moving forward with a claim after sustaining a catastrophic injury in an accident can be incredibly challenging, if not impossible, without the help of a lawyer. After a serious injury, you probably don’t have the time or energy to deal with dishonest insurers and other aspects of the claims process.
Luckily, a lawyer can handle every part of your case, giving you the time you need to attend medical appointments and focus on getting the rest you need to recover. Here’s what an attorney will do to help you make it through this unfortunate situation:
- Meet with you for a free consultation to discuss your injury and answer any questions you have about catastrophic injury coverage
- Conduct a thorough investigation of the accident that caused your injury
- Identify the at-fault party and prove that they should be held liable for your injuries and losses
- Calculate how much your claim is worth
- Determine which insurance policies apply to your case
- File a well-supported claim on your behalf
- Negotiate with insurers to get a settlement that accounts for the financial losses and suffering you’ve been burdened with
- Take your case to court, if necessary
- Explain what catastrophic injury coverage does not cover
When catastrophic injury coverage does not cover necessary costs and losses, your attorney can advise you on your next steps. Whether negotiating a stronger settlement or taking your case to court is the best option, you can rely on your lawyer to see your case through, working to get an outcome that supports your long-term health and wellbeing.
Schedule a Free Consultation With the Catastrophic Injury Lawyers at Jones & Swanson
When another person’s reckless or negligent actions cause you to suffer an injury that is predicted to impact your life for a considerable amount of time, you don’t want to leave your recovery in the hands of dishonest insurance companies that are only focused on protecting their best interests.
Instead, turn to the team at Jones & Swanson. We have over 50 years of combined experience and have recovered $50–plus million in settlements for injury victims like you. Contact us today to schedule a free consultation with our team.
We’ll offer further guidance on what catastrophic injury coverage does not cover and explain the steps we’ll take to get the best results possible.
