CATASTROPHIC INJURY · TEXAS
When an injury changes everything, preparation matters most.
Brain injuries, spinal cord damage, amputations, severe burns — catastrophic injuries demand a law firm that can prove not just what happened, but what the future now requires. LOAR builds those cases.
Free & Confidential Case Review
Tell us what happened — takes 30 seconds
Your name, the best number to reach you, and a sentence about the incident. A LOAR case manager reviews every submission personally. No attorney fee unless a recovery is obtained.
Submitting this form does not create an attorney-client relationship.
Defense-side perspective Our founder began at Baker Botts, defending institutional clients. See how that shapes a case
Deliberate case selection Serious matters, staffed properly — not carried as volume. How LOAR evaluates a case
Trial-ready investment The firm advances the cost of investigation, experts and testing. How LOAR builds serious cases
Personal stewardship A LOAR case manager reviews every inquiry personally — no call center. Talk to LOAR
What Makes an Injury Case Catastrophic
The case must fund a lifetime, not a moment.
A catastrophic injury case is measured in decades. The central question is not only who was at fault, but what the injured person’s life will require: future surgeries and treatment, rehabilitation, attendant care, adaptive equipment, home modifications, and income that may never be fully replaced.
Proving that future takes more than medical records. LOAR works with treating physicians, life-care planners, vocational experts, and economists where appropriate to build a damages case that reflects the truth of what lies ahead.
Defendants and insurers scrutinize these claims intensely because the stakes are high. LOAR’s defense-side roots help the firm anticipate that scrutiny and prepare evidence that withstands it.
Injuries LOAR Handles
Cases built around long-term reality.
Traumatic Brain Injury
From concussion with lasting effects to severe TBI — including the cognitive and personality changes families see but records miss. See LOAR’s TBI resource for more.
Spinal Cord Injury
Paralysis and partial injuries requiring lifelong care, equipment, and home adaptation.
Amputation & Limb Loss
Prosthetics, revision surgeries, phantom pain, and the working life that must be rebuilt.
Severe Burns
Reconstruction, grafting, scarring, and the physical and emotional recovery that follows.
Multiple-Trauma Injuries
Complex crashes and incidents causing combined orthopedic, internal, and neurological harm.
Injuries to Children
Cases requiring decades-long projections and structured protection of the recovery.
Building the Case
How LOAR proves a catastrophic claim.
Every stage is aimed at one thing: evidence strong enough to support the client’s future.
Step 1
Listen
The injury, the prognosis, the family’s situation, and the urgent needs that can’t wait.
Step 2
Preserve
Scene, vehicle, and product evidence; early expert involvement; preservation demands.
Step 3
Develop
Liability, medical causation, life-care planning, economic loss, and insurance coverage.
Step 4
Resolve or Try
Resolution that funds the future when possible — trial when that’s what it takes.
A Note on Timing
Why early legal help matters — even mid-treatment.
Families often wait to call a lawyer until treatment stabilizes. That is understandable, but evidence rarely waits: vehicles are repaired or salvaged, camera footage is overwritten, scenes change, and witnesses move. Getting counsel involved early preserves options without forcing any decisions before your family is ready.
Early involvement also helps families avoid missteps — broad recorded statements, quick releases, and settlement offers made before anyone knows what future care will cost.
For Referring Attorneys
A trusted partner for serious catastrophic injury referrals.
Your client remains a reflection on you. LOAR treats a referred client the way it treats its own, and treats the referring lawyer as a long-term professional relationship rather than a transaction. The firm manages the case work and litigation expenses, keeps referral partners informed at major milestones, and documents the referral relationship properly at the start of the case.
Referral partners receive a portion of the attorney’s fee, typically one-third, when the arrangement is properly documented and permitted by applicable rules.
Catastrophic Injury FAQ
Answers before you reach out.
What counts as a catastrophic injury?
There is no single legal definition, but these are injuries that permanently change how a person lives or works: traumatic brain injuries, spinal cord injuries and paralysis, amputations, severe burns, vision loss, and injuries requiring lifelong care. The common thread is a future that now looks different — and a case that must account for it.
Why do catastrophic injury cases need life-care planning?
Because the largest costs often haven’t happened yet. Future surgeries, therapy, attendant care, medical equipment, home modifications, and lost earning capacity can far exceed the medical bills received to date. Life-care planners, physicians, and economists help prove those future needs with evidence.
How long will my case take?
Serious cases may take time, and that is often in the client’s interest: resolving a catastrophic case before the full extent of future needs is understood risks leaving essential care unfunded. LOAR communicates clearly about timelines and pushes the case forward with discipline.
What does it cost to hire LOAR?
Consultations are free, and the firm works on a contingency fee — no attorney fee unless LOAR recovers compensation for you. The firm advances the expert and investigation costs catastrophic cases require.
Can LOAR work with my family if I can’t participate directly?
Yes. In many catastrophic cases the firm works closely with spouses, parents, or guardians. LOAR is accustomed to supporting families through guardianship, consent, and communication issues while the injured person focuses on recovery.
By Amber Russell, Founder, LOAR PLLC · Reviewed and updated July 12, 2026. This page provides general legal information about catastrophic injury claims in Texas and is not legal advice. Contacting LOAR does not create an attorney–client relationship. Every case is different, and past results do not guarantee future outcomes.
Serious injuries deserve serious preparation.
If your family is facing a catastrophic injury — or you’re an attorney evaluating a referral — LOAR can help assess the next step.
Authoritative sources
This page references publicly available information from the following authorities:
Proving future damages
Proving what the injury means for the client’s future.
Building the liability case is only part of the work. LOAR also develops evidence of what the injury means for the client’s health, independence, work, family, and future. Depending on the matter, the team may work with treating physicians, medical specialists, rehabilitation professionals, life-care planners, vocational experts, economists, and other qualified professionals to evaluate future needs and communicate the full human and financial impact.
Experts do not replace attorney judgment. LOAR’s attorneys define the legal questions, select the disciplines that may help, test assumptions, challenge unsupported conclusions, and integrate the work into a coherent case. Every case is different; the evidence and experts that matter depend on the facts.
Related reading: how damages are evaluated in a Texas injury case, how insurers evaluate serious injury claims, and what to expect while your case moves forward.
Serious and permanent injuries need a different kind of lawyer
Why LOAR built its practice around critically injured clients.