When someone suffers a serious injury, the attention usually turns to immediate care, surgeries, or rehabilitation. But what happens when the injury doesn’t heal—or when it leads to long-term or permanent changes in someone’s life? That’s where many insurance policies fall short. While they may seem comprehensive at first glance, many leave out critical support for long-term needs. In our experience, the gap between what people expect from insurance coverage and what they actually receive after a major injury can be significant. Calling our Hollywood, FL catastrophic injury lawyer can help you overcome these gaps.
Long-Term Care Is Often Undervalued
Most policies cover emergency care, short hospital stays, and follow-up visits. But serious injuries can require years—or a lifetime—of medical attention. Ongoing therapy, in-home care, equipment like wheelchairs or lifts, and home modifications are rarely factored into standard coverage amounts. Even policies labeled as “full coverage” often have limitations once the recovery extends beyond a certain period. Without the right legal support, many people find themselves responsible for these costs out of pocket once insurance limits are reached.
Future Income Loss Isn’t Fully Addressed
One of the biggest financial impacts of a catastrophic injury is loss of income. Some insurance policies offer short-term wage replacement, but very few account for long-term loss of earning capacity. That means if someone can no longer return to their previous job or career, the long-term financial impact may not be fully covered.
We often work with clients to show how an injury affects not just current wages but also long-term career potential, retirement contributions, and benefits—none of which are typically calculated by insurers unless pressed. Even something like a slip and fall injury can be catastrophic, which is why you should always communicate with our legal team before accepting a settlement. We bring the knowledge and experience necessary to handle insurance company negotiations.
Pain And Lifestyle Changes Are Hard To Measure
Insurance companies use formulas to value pain and suffering, but they often undervalue how serious injuries change a person’s life. Whether it’s the inability to enjoy hobbies, travel, spend time with family, or simply move without pain, these losses carry real weight.
Because these factors don’t always come with a clear dollar amount, insurers may try to overlook them or offer a one-size-fits-all number. A proper claim needs to show how these lifestyle changes directly stem from the injury. Our attorneys have a thorough understanding of personal injury laws in Florida.
Some Policies Cap Payouts At The Worst Time
Policy limits are a key problem in catastrophic injury cases. Many people don’t realize that once the insurer has paid its maximum amount, even if care is still needed, no further support will come from that policy. This often leads to financial pressure at the exact time when more help is needed—not less.
At Loshak Law PLLC, we help individuals and families understand how to pursue full and fair compensation when insurance policies fall short after serious injuries. If you’re dealing with long-term effects from an accident and feel like your needs are being overlooked, our team is just one call away!
