How We Help
Catastrophic Injury
Some injuries heal and become a bad memory. Others permanently change what a person can do, earn, and expect from a day. The second kind is a different sort of case, and handling it like the first is how families end up short for the rest of a life.
What makes an injury catastrophic
Not the drama of the crash. The permanence of the result.
- Brain injury with lasting cognitive effects
- Spinal cord injury, complete or incomplete
- Amputation, or the loss of use of a limb
- Severe burns and the surgeries that follow for years
- Loss of sight or hearing
- Organ damage requiring ongoing treatment
- Multiple fractures that never return to full function
The common thread is that the injury has a future, and the future is the largest part of the case.
Why these cases are valued differently
An ordinary injury case is largely about what already happened: the bills, the time off, the recovery. A catastrophic case is mostly about what has not happened yet.
That means it is not built from records alone. It is built with professionals who project decades forward — the care that will be needed and what it will cost, the earnings that will not happen, and the arithmetic of paying for care over a lifetime. Those projections are the case.
The coverage hunt is the difference between outcomes
In a serious case, the harm routinely exceeds the first policy anyone finds. The work that changes the result is finding the rest.
- Every applicable auto policy, including permissive-use questions
- Employer coverage where anyone involved was working
- Umbrella and excess policies sitting above a primary one
- Commercial and property coverage where the setting contributed
- Product manufacturers where equipment failed
- Your own underinsured motorist coverage
This is unglamorous work done early, and it moves the number more than any courtroom argument.
What the family is dealing with at the same time
Someone is coordinating care, someone stopped working to provide it, and the bills started before anyone understood the situation. Boyd's job includes the practical side: keeping providers paid or held off, dealing with liens so they do not eat the recovery, and telling you honestly where things stand.
Do not accept an early number
An early offer in a catastrophic case is an attempt to close the file before the future is known, at a price set as though there is no future to pay for. Once the release is signed there is no reopening it.
Call before anything is signed
The first conversation is free, obligates you to nothing, and Boyd takes it himself.
injured? let's talk.
Free consultation. No fees unless we win.