When a catastrophic injury occurs—like a traumatic brain or spinal cord injury—the journey ahead isn’t just medically and emotionally demanding—it’s financially overwhelming. At Politis & Matovina, P.A., we understand that beyond getting answers, our clients need someone in their corner who will fight to secure a future that’s as stable and supportive as possible.
At a Crossroads: Long-Term Care Costs and Who Foots the Bill
Catastrophic injuries often require specialized medical treatment, adaptive equipment, home modifications, and sometimes lifelong, around‑the‑clock care. These costs can skyrocket, placing families under immense strain. In many cases, traditional insurance may cover hospital stays—but rarely does it extend to years or a lifetime of rehabilitation and support.
So who pays?
1. Insurance Companies—and Their Fair Share
Auto, health, or liability insurers may step in—but only if the policy and law support it. In Florida’s no-fault auto system, serious injuries can allow you to seek additional compensation—but insurance companies often resist paying the full amount you truly need to recover.
That's when you need a tenacious attorney who knows how to challenge insurers and negotiate—or litigate—so their coverage matches the severity of your loss.
2. The At‑Fault Party (and Their Insurer)
When negligence causes life-altering injuries, Florida law may allow claims beyond your coverage. Whether it’s a reckless driver, negligent property owner, or careless employer, pursuing a claim against the responsible party can be a lifeline for covering long-term care.
3. Structured Settlements & Life Care Planning
Proving long-term care needs is about more than medical bills—it's about projecting future needs. A life care plan, developed with medical experts and rehab professionals, can detail decades of expenses. A structured settlement, then, ensures that compensation is not only sufficient—but delivered in a way that lasts—a vital protection for families navigating the unknown.
4. Government & Community Resources
While promising, public programs like Medicaid or Social Security disability often have limitations and long wait times. They may provide partial help, but not the comprehensive support a catastrophic injury demands.
That’s why personalized legal strategy matters: to blend available resources and maximize your financial foundation.
Catastrophic Injury Attorney in Daytona Beach
If you or a loved one is facing the financial and emotional strain of a catastrophic injury, you don’t have to go it alone. Contact Politis & Matovina, P.A. today for a free, no‑obligation case evaluation. Let us help you fight for the support and care you deserve—today and for a lifetime.