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The at-fault driver, any employer, a vehicle owner, an umbrella policy, and your own uninsured and underinsured cover. Large claims routinely exceed the first policy found.
Vehicle Accidents
Ohio Catastrophic Injury Lawyers
This claim is not about the hospital bill. It is about what the rest of your life now costs, and that has to be proved rather than estimated.
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A claim measured in decades, not in months.
Some injuries do not heal. A spinal cord injury, a serious brain injury, an amputation, severe burns, the loss of sight: these change what a person can do, where they can live, whether they can work, and who has to care for them.
The legal argument in these cases is rarely about whether somebody was careless. It is about what the consequences cost, over a lifetime, and that is a question insurers fight hard because the numbers are large.
An offer made in the first months cannot possibly reflect it. Nobody knows yet what the recovery plateau looks like, what equipment will be needed, how the home has to change, or whether a return to work is realistic. Settling before that is known is irreversible.
Who this page is for
You or a member of your family has been seriously and permanently injured in Ohio through someone else’s fault, and the effects are not going to resolve with time.
- Future medical care Costed properly, across a lifetime.
- Care and support Including care given unpaid by family.
- Lost earning capacity Not last year's wages. The whole career.
- Adaptations Home, vehicle and equipment, replaced over time.
How these cases are actually built
A catastrophic injury claim is an evidence exercise carried out with specialists, and most of the work happens long before anybody discusses a figure.
Medical evidence about the future
Not only what happened, but what the treating and expert clinicians expect: the likely course, the interventions still to come, and the point at which improvement is expected to stop.
A life care plan
A costed schedule of what the injury requires for the rest of the person’s life. Care hours, equipment and its replacement cycle, therapy, medication, transport and housing adaptation. This is the document that turns a description of an injury into a number that can be defended.
Vocational and economic evidence
What the person would have earned, what they can earn now if anything, and the present value of the difference across a working life.
What the insurer does
It obtains its own experts, who will generally say the prognosis is better, the care needs are lower and the person could work in some capacity. That is expected. Cases of this size are decided on which body of evidence holds up.
Why the insurance position matters early
In a case this size, the coverage available can matter as much as the evidence.
Do not settle one part early
Settling with one insurer can, depending on the wording, affect a claim against another. It is worth mapping all of them before agreeing anything.
Keep treating
Gaps in treatment get offered later as evidence the injury resolved. Continuity of care is both medically and evidentially important.
Record the daily reality
What a day actually involves now, and who provides the help. It is the evidence most often missing and the hardest to reconstruct later.
Questions
Catastrophic injury questions
General information, not legal advice. Every case turns on its own facts. The only way to know where yours stands is to have someone look at it.
How long will this take?
Longer than an ordinary injury claim, and deliberately so. Valuing a lifetime of consequences means waiting until the medical picture is stable enough to be described honestly. Settling early is usually the most expensive thing a claimant can do.
The insurer has offered the policy limit. Should we take it?
Possibly, and it is worth establishing first whether that is really the only cover available. Large claims frequently reach more than one policy, and an offer of the limit on one of them is not the same as the limit of what can be recovered.
Who pays for care in the meantime?
Usually a combination of health cover, any medical payments cover, and providers prepared to be paid from a recovery. Where the injury also gives rise to a workers’ compensation claim or a Social Security Disability claim, those run alongside, and all three are handled here.
Can we claim for care the family provides?
Generally yes. Care given by a spouse, parent or child has a value even though nobody invoices for it, and it is a real part of the loss. It is also one of the elements most often left out of a claim that was not built for this.
What does it cost?
Nothing up front. These cases are handled on a contingency fee, the expert costs are carried as the case runs, and if there is no recovery there is no fee.
The deadline
Ohio generally allows two years from the date a personal injury claim arises to bring it (Ohio Revised Code § 2305.10), and two years from the date of death in a wrongful death claim (§ 2125.02).
Shorter notice periods can apply where a government entity or a public vehicle is involved. Because the consequence of missing a deadline is total, it is worth confirming the one that applies to you early rather than assuming. General information about Ohio law rather than advice on your own facts.
Other Vehicle Accidents pages
The rest of this practice area, in case your situation fits one of them better.
All Vehicle Accidents
Car, truck and motorcycle collisions.
Car Accidents
Collisions with another driver, and the adjuster who follows.
Truck Accidents
Commercial carriers, federal safety rules and layered insurance.
Motorcycle Accidents
Rider bias, severe injuries and a case built on the facts.
Bicycle Accidents
Cyclists get blamed first. The evidence usually says otherwise.
Pedestrian Accidents
Severe injuries, and an argument about where you were standing.
Rideshare Accidents
Uber and Lyft, and which policy actually pays.
Wrongful Death
A claim that belongs to the family, handled so they do not have to.
The three areas we handle
One incident can open more than one claim, and they are handled together here.
Client Reviews
What our clients say
I was very pleased with how the firm handled my case. They took care of everything and kept me inform through the entire process. There was not any surprises and the result was what I was expecting. I appreciate the care and time the firm took on my case.
T T Sankey
Google Review
From the get go I was constantly updated with what was going on with my case. Given realistic time frames about how the case should go. If I ever needed to speak with someone about my case I always got a call back quickly. They won my case for me way ahead of time. I feel truly blessed by having the Casper team handling my case. The whole process went through amazingly fast with no pressure on me.
Jason Smith
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By far, the best Law firm and representative I have ever had. The paralegals the lawyers the whole team is very professional very patient very understanding very kind. Communication is perfect, and I am just so grateful to have came across the Casper team. I 100% recommend them for your legal needs.
James SaintPatrick
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They did a great job for me, they explained the process to me until I fully understood it. All I had to do was answer a few questions and they took care of the rest. They were able to win my case for me and I am truly thankful they did.
Tina LaMott
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Casper, Casper & Casper have always done an excellent job for us. We have used them once before and are now using them again and both times they have been super professional and always on top of our cases. Communication is easy and they are friendly and actually seem to care about the case.
Vicki Bell
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From the first day I spoke with Mr Steve Casper he was certain we would win my case. He gave me all the confidence that I needed. It's been a long journey but well worth it. We made it and with a win!! Mr Steve Casper is amazing. Ben his assistant is very nice and very knowledgeable too.
Terri Coolidge
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