Catastrophic injuries can forever change your life. Have your injuries had a substantial impact on you financially, psychologically, emotionally, or physically? Are you unsure of where to turn for help? If so, reach out to a dedicated Collierville catastrophic injury attorney at Gatti, Keltner, Bienvenu & Montesi, PLC.
If we are able to take on your case, you can rest easier knowing our team of catastrophic injury attorneys in Collierville are working tirelessly to hold the liable party accountable for their negligence. Do not hesitate to contact our office for a free consultation today so you can learn more about the catastrophic injury claims process in Collierville.
Which Injuries Are Considered Catastrophic?
You may be wondering what criteria are used to determine whether an injury is considered catastrophic. However, it is important to keep in mind that your right to pursue an injury claim is not dependent on the type of injury you were diagnosed with.
Instead, your attorney will need to examine the ways your injuries have affected your life to determine whether you have grounds for a catastrophic injury claim. Without that in mind, injuries may be considered catastrophic when they are considerably impactful. The more severe the injury, the more likely it is that you will recover total compensation for your damages.
However, there are some types of injuries that are deemed catastrophic more frequently than others. Some of these injuries include:
- Traumatic brain injuries
- emotional trauma
- Spinal cord and back injuries
Traumatic Brain Injuries (TBIs)
Traumatic brain damage is one of the most common types of injuries that are considered catastrophic. This is, in part, due to the fact that any damage to the human brain could permanently alter the victim’s life.
There are many different traumatic brain injuries you could sustain in a catastrophic accident. Some of the most common types of TBIs seen in catastrophic injury cases include:
- Second impact syndrome
- Penetrating brain injuries
- Diffuse axonal Injuries
Depending on your accident and experience, the emotional trauma you endured could be considered catastrophic. It is not uncommon for people who have been involved in traumatic incidents to develop post-traumatic stress disorder (PTSD) and other types of debilitating emotional injuries, such as:
- Panic attacks
- Panic disorder
- Generalized anxiety disorder
- Nightmares or trouble sleeping
Spinal Cord and Back Injuries
One of the more excruciatingly painful types of injuries that is often considered catastrophic includes those affecting the back and spinal cord. These injuries can make it impossible for you to continue working, earn a living, or take care of yourself or your family.
Examples of spinal cord and back injuries you may be able to sue for include:
- Loss of limbs
- Vertebral fractures
- Herniated discs
- Nerve damage
- Cervical spine injuries
- Central cord syndrome
- Bulging disks
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Common Accidents that Cause Catastrophic Injuries
Catastrophic injuries can happen in endless ways. However, they are seen more often in certain types of accidents and incidents than others. Some of the more common ways catastrophic injuries occur include:
- Motor vehicle accidents
- Premises liability accidents
- Product liability cases
- Work-related accidents
- Construction and factory accidents
- Dog bites
- Medical malpractice
- Nursing home abuse
These are just a couple of the different ways catastrophic injuries can occur. If you or someone you love was involved in another type of catastrophic accident that was not included above, you may still have the right to file a claim as long as someone else is responsible for your damages. Discover your available legal options in your catastrophic accident case when you contact our office for a free case review.
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How to Recover Compensation for Your Damages
There are several ways in which you may be able to recover in compensation for your catastrophic injury damages. Generally, injury victims may be able to obtain the funds they need by filing a civil lawsuit against the liable party or bringing a claim forward with the insurance company.
Since Tennessee is a fault state for insurance purposes, you will generally file a claim with the liable party’s insurer as opposed to your own. However, you should always prepare to bring your case to court if negotiations with the insurance company prove futile.
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What to Expect from the Insurance Company
Unfortunately, negotiating with the insurance company may prove to be far more difficult than you realize. It is important to keep in mind that insurers are not on your side.
Although many will be friendly and polite enough, anything you say to the insurance company could be used in an attempt to reduce or devalue your claim.
If you hope to avoid being taken advantage of by profit-hungry insurers, it is critical that you have your catastrophic injury attorney in Collierville negotiate with the insurance company on your behalf. This way, you do not have to worry about being tricked into settling for less than you deserve.
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How Are Catastrophic Injury Insurance Settlements Paid?
Another common issue with insurance settlements is what they cover. You might be surprised to learn that insurance settlements typically do not cover a victim’s damages in full. In fact, insurance settlements will commonly only cover property damages and medical expenses.
In some instances, injury victims are fortunate enough to recover lost wages through insurance settlements.
However, the amount of compensation the insurance company is required to pay you is based on the amount and types of coverage the policyholder purchased. If the defendant only purchased the minimum amount of coverage, and your damages exceed these limits, you will have excess damages the insurance company is not obligated to. Heading to court may be your best option if you hope to get the most out of your claim.
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Meet with a Catastrophic Injury Lawyer in Collierville for Help Today
If you are feeling intimidated or overwhelmed by the catastrophic injury claims process in Collierville, you are not alone. You may benefit from the legal guidance and support of an experienced Collierville catastrophic injury lawyer at Gatti, Keltner, Bienvenu & Montesi, PLC.
To schedule your no-cost, risk-free consultation today, complete our online contact form or call our office. The sooner you enlist our legal services, the sooner you could recover the compensation and benefits that are rightfully yours.