ClickCease What Is Catastrophic Injury Insurance?

What Is Catastrophic Injury Insurance?

Insurance for Catastrophic Injury

No one plans for a catastrophic accident. However, when they occur, it can disrupt the victim’s life and leave their financial stability uncertain. What many people do not realize is that there is insurance coverage you can obtain for catastrophic injuries.

We know how emotionally and financially taxing catastrophic injuries can be to the victim and their family. However, you have options to recover some of the damages you incurred, regardless of whether you have catastrophic injury insurance or not.

Our catastrophic injury attorneys at Regan Zambri Long explains what catastrophic injury insurance is and how it can help you with personal injury claims.

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What Are The Common Causes Of Catastrophic Injuries?

People can think that catastrophic injuries are freak accidents that end in paralysis. However, common personal injury cases can also lead to catastrophic injuries. The most common causes of catastrophic injuries include:

  • Car, trucking, and motorcycle accidents
  • Pedestrian accidents
  • Sports accidents
  • Workplace accidents
  • Defective products
  • Medical malpractice
  • Violent crime/attacks
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What is Catastrophic Injury Insurance?

Catastrophic injury insurance or catastrophic health insurance is an extension of your health plan that comes into effect during catastrophic accidents. According to, catastrophic injury insurance plans typically have low monthly premiums, but very high deductibles.

While this may be a way to protect yourself from emergency injuries and sickness, you still pay most of your routine medical expenses yourself.

Who Can Buy a Catastrophic Injury Insurance Plan?

Not everyone can buy a catastrophic injury or accident insurance plan. Only people under age 30 can buy a catastrophic injury insurance plan. However, there is an exception for people of any age if they have a hardship exception or affordability exception.

A hardship exception includes any of the following:

Further, businesses like schools, daycares, sports teams, etc. can also purchase catastrophic accident insurance should they face liability in a catastrophic injury.

What Does a Catastrophic Injury Insurance Plan Cover?

Catastrophic injury insurance plans are utilized to help victims and their families of catastrophic injuries pay unexpected medical costs. It may also cover preventative screenings, vaccination, and some forms of birth control.

Other coverage options under catastrophic injury insurance include:

It is important to note that your deductible can change how much you pay upfront. Be sure to check with your specific policy.

What Doesn’t Catastrophic Injury Insurance Cover?

Catastrophic injury insurance doesn’t come into effect for emergency care until your deductible has been met.

Further, your plan may be limited to the number of preventive care services you are entitled to which is why you need to carefully review your specific catastrophic injury plan.

What Does a Catastrophic Injury Insurance Plan Cost?

In general, catastrophic injury insurance plans have low monthly premiums, but you do have to pay yourself before the coverage kicks in can be very expensive. In many cases, it can be thousands of dollars before the coverage takes effect and the insurance company covers all services.

If I Don’t Have Catastrophic Injury Insurance, Can I Still Sue For My Losses?

Just because you don’t have catastrophic injury insurance does not mean you have no avenues for financial recovery following an unexpected medical event.

Catastrophic injury claims are similar to any other personal injury case, however, because of the lifelong impacts of the accident, tends to be more difficult to define the damages.

Common damages you may be able to collect in a personal injury lawsuit following a catastrophic accident include:

  • Medical expenses
  • Lost income
  • Out-of-pocket expenses
  • Property damage
  • Noneconomic damages including pain and suffering, diminished quality of life, mental anguish, permanent disability, and disfigurement

In cases involving catastrophic injuries, the noneconomic damages are likely much more extensive than other personal injury cases.

While there may be limits to the number of damages the victim can recover in a standard personal injury case that resulted in minor injuries, in a catastrophic injury case, the victim will need to have a trusted attorney on their side who can help establish liability.

This is because the defendant is likely to try to dispel blame by critiquing the series of events leading to the catastrophic accident.

However, it’s important to realize that if the defendant can establish any negligence is shared by the victim, this will reduce the total amount of damages that can be recovered.

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How Can A Personal Injury Attorney Help After My Catastrophic Injury?

If you have suffered long term consequences from a catastrophic injury such as:

A personal injury attorney can help. At Regan Zambri Long, we can review the facts of your case, establish negligence, and help determine the best course of action against the negligent party.

Further, an attorney can help determine the value of your case, including compensation for:

Even if you do not have catastrophic injury insurance, you still have options to recover losses following your catastrophic injury. Do not wait until bills start to pile. Each state has varying statutes of limitations on personal injury claims so the sooner you seek legal representation the stronger your claim will be.

Let Regan Zambri Long Help You After A Catastrophic Injury

Our catastrophic injury lawyers can help you recover compensation to ease the financial strain of medical bills, physical rehabilitation, home modifications to accommodate accessibility, lost income, and pain and suffering.

The personal injury attorneys of Regan Zambri Long represent individuals and their families who have suffered catastrophic injuries due to the negligence of another and we want to help you. Your life has changed drastically, but it doesn’t mean you have to struggle financially because of the actions of another.

For a no-obligation, free consultation, contact Regan Zambri Long at (202) 960-4596 or by completing our online contact form. We can navigate the specifics of your catastrophic injury insurance policy to determine what coverage you have or help you through a personal injury case. You’ve suffered enough. Let us help.

Schedule a Free Consultation

Have you or your loved one sustained injuries in Washington DC, Maryland or Virginia? Regan Zambri Long PLLC has the best lawyers in the country to analyze your case and answer the questions you may have.

Call 202-960-4596

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