What Is a Catastrophic Injury and How Do You Pursue Compensation in Florida?
Catastrophic injuries change lives forever. These severe injuries often result in permanent disability, require lifelong medical care, and create significant financial burdens for victims and their families. If you or a loved one has suffered a catastrophic injury in Florida, understanding your legal rights is critical.
What Qualifies as a Catastrophic Injury in Florida?
A catastrophic injury typically involves long-term or permanent damage to physical or mental capabilities. Common examples include:
Traumatic brain injuries (TBI) that impair memory, speech, or motor skills
Spinal cord injuries leading to partial or complete paralysis
Severe burns resulting in disfigurement or loss of function
Amputations affecting limbs or extremities
Multiple trauma injuries impacting several body systems
These injuries often prevent individuals from returning to work or living independently.
The Long-Term Financial Impact
The cost of living with a catastrophic injury extends far beyond initial medical treatment. Expenses may include:
Hospitalization, surgeries, and extended rehabilitation
Assistive devices such as wheelchairs, prosthetics, or communication technology
Home renovations to accommodate mobility needs
In-home care or nursing support
Lost income or diminished earning potential
Counseling and mental health services
These costs can continue for decades, making it essential to pursue full compensation that accounts for both immediate and future needs.
Key Florida Laws Affecting Catastrophic Injury Claims
Statute of Limitations
In most cases, you have two years from the date of injury to file a personal injury lawsuit in Florida.
Comparative Fault Rules
Florida's modified comparative negligence rule may reduce your compensation if you're found partially at fault. If you're more than 50% responsible, you may be barred from recovering damages.
Insurance Coverage Limitations
Florida's no-fault insurance (PIP) typically doesn't provide enough coverage for catastrophic injuries. Filing a lawsuit may be necessary to recover full compensation.
Pursuing Full Compensation
To secure the compensation you need, work with an experienced catastrophic injury attorney who can:
Accurately calculate the full cost of your injury, including future expenses
Negotiate with insurance companies to avoid lowball settlements
Identify all potential sources of compensation
Represent you in court if necessary
If you or a loved one has suffered a catastrophic injury in Florida, contact De Armas & Arriete, PLLC, at (786) 454-9838 for a free consultation. We fight for the compensation you need to rebuild your life.
