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Policy Limits Demands in Catastrophic SCI Cases

Catastrophic SCI cases often exceed at-fault party's policy limits. Our lawyers pursue all available coverage and explore additional sources of compensation to maximize recovery.

📅Updated: January 30, 2026
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Understanding Catastrophic Injury Policy Limits Demand SCI

Catastrophic SCI cases often exceed at-fault party's policy limits. Our lawyers pursue all available coverage and explore additional sources of compensation to maximize recovery.

  • Immediate medical stabilization is critical after spinal trauma
  • Early intervention can prevent secondary damage
  • Comprehensive documentation supports maximum compensation
  • Life care planning ensures future needs are addressed

Medical Evidence and Documentation

Spinal cord injury cases require extensive medical documentation to prove injury severity, prognosis, and lifetime care needs. Our team works with leading medical experts to build compelling evidence.

  • MRI and CT imaging showing spinal cord damage
  • ASIA classification of injury completeness
  • Neurological assessments documenting deficits
  • Life care plans projecting future medical needs
  • Vocational evaluations of lost earning capacity

Compensation for Spinal Cord Injuries

Spinal cord injury victims deserve compensation that accounts for the catastrophic, lifelong impact of their injuries. We fight for maximum recovery covering all damages.

  • Emergency care, surgeries, and hospitalization
  • Lifetime medical care and monitoring
  • Rehabilitation and physical therapy
  • Wheelchair, adaptive equipment, and vehicles
  • Home modifications for accessibility
  • Attendant care and nursing services
  • Lost wages and reduced earning capacity
  • Pain, suffering, and loss of enjoyment of life

Why Choose Our Spinal Cord Injury Lawyers?

Spinal cord injury cases require specialized expertise and resources. Insurance companies aggressively defend these high-value claims - you need attorneys with the experience and resources to fight back.

  • Dedicated catastrophic injury practice
  • Network of top medical and vocational experts
  • Experience with life care planning and economics
  • Trial-ready approach that maximizes settlements
  • No fee unless we win your case
  • Resources to take on major insurance companies

Frequently Asked Questions

What if my SCI claim exceeds the policy limits?

We pursue all available coverage including defendant's auto policy, umbrella policies, employer's insurance, and your own underinsured motorist coverage. We may also pursue defendant's personal assets.

What is underinsured motorist coverage for SCI?

UIM coverage pays when the at-fault driver's insurance is insufficient for your damages. Given SCI's catastrophic costs, UIM coverage is often critical for adequate compensation.

Should I get a lawyer for a spinal cord injury claim?

Absolutely. SCI cases are among the most complex and highest-value personal injury claims. You need an attorney experienced in catastrophic injury litigation and life care planning.

How long do I have to file a spinal cord injury lawsuit?

Statutes of limitations vary by state, typically 2-4 years from the accident date. However, exceptions exist for minors and delayed discovery. Contact a lawyer immediately to protect your rights.

Why Choose Hurt Advice?

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