Bogin, Munns & Munns P.A.
(855) 780-9986
(855) 780-9986
Click Here to Request a Consultation
Click Here to Request a Consultation
Bogin, Munns & Munns

Orlando Catastrophic Injury Lawyers

Your legal issues need our expertise. With 40+ dynamic attorneys on staff, Bogin, Munns & Munns serves Central Florida’s legal needs and treats our clients like family.
1000 Legion Place, Suite 1000, Orlando, Florida 32801 855-686-6752 View all Google Reviews here
Speak To An Attorney Now
BBB Accredited Business Avvo Top Attorney Car Accident Super Lawyers Google Top Rated

Recent Firm Wins For Our Clients

$3 Million

Slip and Fall

$2.9 Million

Wrongful Death

$2.5 Million

Pedestrian Accident

$2.25 Million

Car Accident
On This Page
Reading time: 7 minutes
  1. What Counts as a Catastrophic Injury in Florida?
  2. How Is a Catastrophic Injury Case Different From a Regular Injury Claim?
  3. What Compensation Can You Recover After a Catastrophic Injury?
  4. Who Pays for Lifelong Care After a Serious Injury?
  5. How Long Do You Have to File a Catastrophic Injury Lawsuit in Florida?
  6. Who Handles Catastrophic Injury Cases at Our Orlando Office
  7. Ready to Talk to an Orlando Catastrophic Injury Attorney?
patient using a wheelchair while being assisted by a healthcare provider

By: Spencer Munns

When an injury changes the rest of your life, an Orlando catastrophic injury lawyer builds a case around not just what you have already lost but what the next several decades will cost. We represent seriously injured people and their families across Orange, Osceola, and Seminole Counties from our Orlando headquarters. We handle these cases on contingency, so there is no fee unless we recover for you.

Call our Orlando office at 407-578-9696 for a free case review.

What Counts as a Catastrophic Injury in Florida?

close-up of a patient with a heavily bandaged hand in a hospitalA catastrophic injury is one that causes permanent impairment, disfigurement, or a lasting loss of function that changes how a person lives and works. These are not injuries someone fully recovers from. They carry lifelong medical, financial, and personal consequences.

Injuries we handle in this category include:

  • Traumatic brain injuries (TBI)
  • Spinal cord injuries and paralysis
  • Severe burns and disfigurement
  • Amputation and loss of limb
  • Multiple fractures requiring reconstruction
  • Injuries resulting in permanent disability

Our office also maintains dedicated pages for traumatic brain injury, paralysis, and burn injury cases, which cover those specific injuries in greater depth.

To consult with an experienced catastrophic injury lawyer serving Orlando
(855) 780-9986

How Is a Catastrophic Injury Case Different From a Regular Injury Claim?

The difference is the future. A standard injury claim compensates for medical bills and lost wages that have already happened. A catastrophic injury claim must also account for decades of care, lost earning capacity, and life changes that have not happened yet.

Building that future picture requires more than medical records. It often requires a life care planner to project the cost of future treatment, an economist to calculate lost earning capacity, and vocational experts to document how the injury affects the ability to work. We assemble that team as part of the case.

Getting this valuation right matters because a settlement that covers only today’s bills leaves a permanently injured person short for the rest of their life.

What Compensation Can You Recover After a Catastrophic Injury?

person walking with a lower-leg prosthetic limb during rehabilitationCatastrophic injury damages extend well beyond immediate medical costs. A successful claim can account for the full lifetime impact of the injury.

Recoverable damages typically include:

  • Past and future medical expenses, including surgeries and rehabilitation
  • Long-term or lifelong care, including in-home nursing and home modifications
  • Lost wages and lost future earning capacity
  • Pain, suffering, and loss of enjoyment of life
  • Permanent disability and disfigurement
  • Loss of consortium for spouses and family

The value of any case depends on the severity of the injury, the strength of the liability evidence, and the insurance coverage available. We evaluate all of these before projecting what a case may be worth.

Orlando Catastrophic Injury Lawyer Near Me
(855) 780-9986

Who Pays for Lifelong Care After a Serious Injury?

The at-fault party and their insurer are responsible, but recovering enough to fund a lifetime of care requires identifying every available source of coverage. In serious cases, that often means looking past a single policy.

Multiple insurance policies, commercial coverage, uninsured and underinsured motorist coverage, and in some cases more than one liable party may contribute to the total recovery. The U.S. Social Security Administration also provides disability resources for people with qualifying long-term impairments at ssa.gov, which can run alongside a civil claim.

We investigate every layer of available coverage, because in a catastrophic case the difference between one policy and several can determine whether a family’s long-term needs are actually met.

How Long Do You Have to File a Catastrophic Injury Lawsuit in Florida?

medical professional pointing to the lower spine on a human skeleton modelTwo years. Under Florida Statutes Section 95.11, you generally have two years from the date of the accident to file a personal injury lawsuit. For a wrongful death claim, the two-year period runs from the date of death.

Catastrophic cases take time to build because the full extent of the injury and its future cost may not be clear for months. Starting early gives the medical and financial picture time to develop while evidence is still fresh. Florida Courts publishes filing information for the 9th Judicial Circuit, which serves Orange and Osceola Counties, at flcourts.gov.

Call 407-578-9696 or contact us online to discuss your case.

Click to contact our Orlando Catastrophic Injury Lawyerss today

Who Handles Catastrophic Injury Cases at Our Orlando Office

Travis J. McMillen is a Partner at Bogin Munns & Munns and a Florida Bar Board Certified Civil Trial Lawyer, a distinction held by only a small percentage of Florida attorneys. He has achieved multi-million-dollar recoveries for seriously injured clients and litigates catastrophic injury and wrongful death cases across Orange, Osceola, Seminole, and surrounding counties.

Before joining our firm, he spent more than a decade representing insurance companies, which gives him direct insight into how insurers evaluate and defend high-value claims.

D. Graham Anderson

Graham Anderson

Graham Anderson is a personal injury attorney at Bogin Munns & Munns who represents catastrophically injured clients throughout Central Florida. He focuses on serious injury and negligence claims and works to document the full long-term impact of an injury on his clients’ lives.

Our Orlando office is at 1000 Legion Place, Suite 1000. We handle catastrophic injury cases on contingency, with no fee unless we recover for you.

Past results do not guarantee future outcomes. Case results depend on individual facts and circumstances.

Ready to Talk to an Orlando Catastrophic Injury Attorney?

A catastrophic injury reshapes a family’s entire future, and the legal claim needs to account for all of it, not just the bills already on the table. The sooner the case begins, the more thoroughly the long-term picture can be documented.

We represent catastrophically injured clients across Orange, Osceola, and Seminole Counties and throughout Central Florida from our headquarters at 1000 Legion Place, Suite 1000. There is no fee unless we recover for you.

Bogin Munns & Munns also handles car accidents, truck accidents, motorcycle accidents, wrongful death, criminal defense, and more from 11 offices across the region.

Call 407-578-9696 or contact our Orlando office online for a free catastrophic injury case review.

Call or Submit Our Consultation Request Form Today

Frequently Asked Questions

  • There is no standard figure. The value reflects the severity of the injury, the cost of lifetime care, lost earning capacity, pain and suffering, and the insurance coverage available. Catastrophic cases are generally worth far more than routine injury claims because they account for decades of future impact. We evaluate medical projections and financial losses before estimating a realistic range.

  • No. Florida’s no-fault system and its $10,000 Personal Injury Protection (PIP) limit apply to minor injuries. Catastrophic injuries clearly meet the serious injury threshold, which allows the injured person to step outside the no-fault system and pursue full damages directly from the at-fault party. Nearly every catastrophic case qualifies.

  • When a catastrophic injury leaves someone unable to manage their own legal affairs, a spouse, family member, or court-appointed guardian may pursue the claim on their behalf. We help families establish the legal authority needed to act for an incapacitated loved one and move the claim forward.

  • Loss of earning capacity is the income a person can no longer earn because of a permanent injury, measured over their expected working life. It differs from lost wages, which cover income already missed. An economist typically calculates this figure based on the person’s age, occupation, and the degree of impairment.

  • Many settle, but catastrophic cases are more likely than routine claims to require litigation because the amounts at stake give insurers a strong incentive to dispute value. We prepare every case for trial in the 9th Judicial Circuit, which strengthens our position in settlement negotiations and readies us to present the case in court if needed.

  • A catastrophic injury causes permanent impairment or a lasting loss of function, such as paralysis, brain injury, amputation, or severe burns. Legally, the significance is that damages include a lifetime of future care and lost earning capacity, not just past medical bills. This changes how the case is valued and litigated.

  • Because the full cost of the injury is not known right away. Settling before reaching maximum medical improvement risks accepting an amount that does not cover future surgeries, care, or lost income. We often wait until the long-term prognosis is clear, or build it through expert projection, before finalizing a claim’s value.

  • A life care plan is a detailed, expert-prepared projection of all the future medical care, equipment, therapy, and support a catastrophically injured person will need over their lifetime, along with the cost. It is a central piece of evidence in valuing a serious injury claim and holding the at-fault party accountable for long-term needs.

  • Possibly. We look for additional sources of recovery, including multiple policies, uninsured and underinsured motorist coverage, and additional liable parties. In catastrophic cases, identifying every available layer of coverage is often what determines whether a recovery actually meets a family’s needs.