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Naples Personal Injury Lawyer > Blog > Catastrophic Injury > Common Problems With Insurers When Catastrophic Injuries In Naples Happen

Common Problems With Insurers When Catastrophic Injuries In Naples Happen


Catastrophic injuries can happen due to crashes and collisions involving motor vehicles or as a result of dangerous conditions on another’s property. In many cases, the at-fault party has insurance that can help compensate victims and their families for the losses they suffer. However, dealing with insurance companies is challenging in any situation and particularly when victims have suffered major harm. Our Naples catastrophic injury lawyer explains common problems that are likely to arise and how to get the compensation you are entitled to and need to recover.

What Are Catastrophic Injuries?

When personal injuries happen due to the reckless actions of others, they can impact you and your family for years into the future. Alongside issues with your health, you could be facing major amounts of medical bills while being unable to work or provide for yourself and your loved ones. The situation is even more dire when it involves catastrophic injuries:

Under Section 960.03 of the Florida Statutes, a catastrophic injury is defined as one that results in permanent impairments and includes:

  • Spinal cord injuries;
  • Traumatic brain injuries;
  • Second and third-degree burns;
  • Amputation of a body part;
  • Injuries resulting in permanent blindness;
  • Internal injuries, impacting body organs and systems.

Common Issues When Dealing With Insurers Over Catastrophic Injuries

When catastrophic injuries happen due to another person’s negligence, you have the right to hold them liable for any costs you incur as a result. In motor vehicle accidents and premises liability claims, you may find yourself dealing with their insurer in the aftermath. While liability policies are designed to help compensate victims for their expenses, common issues that can arise when dealing with insurance companies include:

  • Disputes over whether your particular accident is covered;
  • Issues concerning whether the other party is to blame;
  • Debating the severity of your injuries, whether they are related to pre-existing conditions, and the total amount you need to recover;
  • Insurance liability limits, which often fail to fully compensate victims of catastrophic injuries.

Before settling a claim or signing any insurance documents, speak to our Naples catastrophic injury lawyer first. Rather than accepting whatever is offered, you may be entitled to additional amounts by filing a personal injury lawsuit through the Collier County Civil Court. Compensation available in a Naples injury lawsuit includes coverage of current and future medical expenses, lost income and future losses in earnings and benefits, and additional amounts for pain, suffering, and lost enjoyment in life.

Request A Consultation With Our Naples Catastrophic Injury Lawyer

Catastrophic injuries result in major medical expenses, lost income, and other costs. Filing a personal injury lawsuit, rather than dealing with insurers, may be a better option and can entitle you to additional amounts not otherwise available.

If you or someone you love is facing this situation, be aware that you only have one chance to get compensation. To protect your rights and get the maximum amount you need to recover, request a consultation with Cardinal Law, P.A. Call or contact our Naples catastrophic injury lawyer online today.




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