A spinal cord injury from a car accident on Highway 90 through the Biloxi casino corridor, on I-110, on Pass Road, or anywhere in Harrison County is not a case the insurance company is going to handle like a soft tissue claim. They know what spinal cord injuries cost. They know what the life care plan looks like. If you need a Biloxi car accident spinal cord injury lawyer, the insurance company has a strategy already running: dispute the severity of the cord injury, challenge the permanence of the deficits, and get the case closed before the full picture of what this injury has cost you is established in front of a Harrison County jury. The TV lawyer is not riding to your rescue. He is at his ski condo in Colorado. His secretary answered your call and she is about to be outgunned by the most sophisticated claims team the insurance company has.

I am Jay Foster. I have been handling spinal cord injury cases in Harrison County for decades. I know what these cases are worth, I know what it takes to build the full damages picture, and I know how to try them in front of a Harrison County jury when the insurance company refuses to pay. Get the free book before you give any adjuster another word.

Biloxi Car Accident Spinal Cord Injury Lawyer: What The Insurance Company Does The Moment They Know The Cord Is Involved

Spinal cord injuries are categorized by level and completeness. A complete injury at any level means total loss of motor and sensory function below the site of damage. An incomplete injury means partial preservation of function. Cervical cord injuries at C1 through C4 can eliminate the ability to breathe independently and require permanent ventilator support. Injuries at C5 through C8 affect arm and hand function to varying degrees. Thoracic injuries affect trunk stability and leg function. Lumbar injuries affect the legs and bladder and bowel control. The level of injury determines the life care plan. The life care plan determines the damages number. And the damages number in a cervical spinal cord injury case is the kind of number that makes insurance companies deploy their most experienced adjusters and their most aggressive defense strategies from day one.

Their first move is to dispute the classification of the injury. Incomplete versus complete. The difference matters to the damages picture because an incomplete injury carries the possibility of some recovery while a complete injury does not. They push the incomplete classification not because the medicine supports it but because it reduces the life care plan projections. A Biloxi car accident spinal cord injury lawyer who works with the right spinal cord medicine experts presents the injury classification accurately and builds the life care plan that reflects the actual prognosis, not the insurance company’s preferred one.

Biloxi Spinal Cord Injury Cases: Building The Life Care Plan That Reflects The Real Cost

A spinal cord injury life care plan is not a list of medical bills. It is a projection of every cost the injury will generate across the victim’s remaining lifetime. Wheelchair equipment and replacements on a schedule. Home modifications to accommodate mobility limitations. Attendant care hours for personal care the victim can no longer perform independently. Medical management visits with a physiatrist. Urological care. Respiratory care in high cervical injuries. Pain management. Psychological support. Adaptive equipment. Vehicle modifications. In a cervical injury case involving a young victim, a comprehensive life care plan routinely projects costs into seven figures. That is what the case is worth and that is what a Biloxi car accident spinal cord injury lawyer who builds the case for trial demands from the beginning.

The TV lawyer is at his Destin condo. His secretary does not know what a physiatrist is. She has never retained a life care planner. She has never worked with a vocational economist who can project what a 30-year-old with a complete T6 injury has lost in lifetime earning capacity. She is going to collect the medical bills, multiply by whatever her training told her, call the adjuster, and take the number that closes the file. Would you let a plumber do surgery on you? Then why are you letting a secretary run a spinal cord injury case?

For official data on spinal cord injury from motor vehicle accidents, see the NHTSA road safety resource. For the full picture on Mississippi car accident injury law, see the Mississippi car wreck lawyer page. For all Biloxi car accident resources, see the Biloxi car wreck lawyer page.

What A Biloxi Car Accident Spinal Cord Injury Case Is Worth And Why The Insurance Company Will Never Tell You

Compensatory damages in a Biloxi spinal cord injury case include every emergency medical bill, every surgical bill, every inpatient rehabilitation cost at a facility like TIRR or Shepherd Center, every outpatient therapy visit, every piece of adaptive equipment, every home modification, every attendant care hour, every dollar of lost past and future wages, the full projected future earning capacity loss quantified by a vocational economist, and complete pain and suffering and loss of enjoyment of life damages. In a severe case these numbers exceed the at-fault driver’s policy limits. That triggers underinsured motorist coverage under your own policy. It triggers investigation of every other potential defendant. A commercial vehicle, an employer, a property owner, a dram shop. A Biloxi car accident spinal cord injury lawyer identifies every source of recovery before the first demand is sent.

When the conduct that caused the injury was grossly negligent or reckless, a drunk driver crossing the center line at highway speed, a commercial driver who had been awake for 24 hours, Mississippi law allows punitive damages under Miss. Code Ann. Section 11-1-65. Those damages exist to punish conduct that endangered lives. The insurance company will try to settle before punitive damages are on the table. A Biloxi car accident spinal cord injury lawyer who is prepared to take the case all the way to a Harrison County jury changes what they put on the table before that conversation ever happens.

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The TV Lawyer’s Spinal Cord Strategy In Biloxi: Dispute The Classification And Close Before Trial

The TV lawyer’s formula for a Biloxi spinal cord injury case is to collect the records, find out what the policy limits are, and push for a policy limits settlement without building the case that justifies demanding more. He is not retaining a life care planner. He is not working with a spinal cord medicine expert to challenge the insurance company’s injury classification. He is not preparing a vocational economist’s report on lifetime earning capacity loss. He is not building the punitive damages case when the facts support it. His secretary is managing the file. His secretary is taking the calls. His secretary is the one who decides when the number is good enough to close. The TV lawyer is driving the Lamborghini.

Harrison County Circuit Court at 730 Dr. Martin Luther King Jr. Blvd in Biloxi is where a spinal cord injury case goes when the insurance company refuses to pay what the life care plan requires. The TV lawyer cannot walk through that door. He is not licensed in Mississippi. He has never tried a spinal cord injury case in front of a Harrison County jury. He has never stood in that courtroom and shown twelve people what it costs a human being to live the rest of their life with a damaged cord. I have. That is what changes the number.

Biloxi Car Accident Spinal Cord Injury Questions

The Insurance Company Is Saying My Spinal Cord Injury Is Incomplete And Will Improve. Is That True?

It may or may not be true. The insurance company has a financial incentive to classify your injury as incomplete and to project recovery because it reduces the life care plan projections and the damages number. What is actually true depends on your specific injury level, the imaging findings, the neurological examination by your treating spinal cord medicine specialist, and the prognosis they document. A Biloxi car accident spinal cord injury lawyer works with your treating team and with independent experts to make sure the injury is classified and documented accurately, not in the way the insurance company prefers.

What Is A Life Care Plan And Why Does My Case Need One?

A life care plan is a comprehensive projection of every medical, therapeutic, equipment, and care cost your spinal cord injury will generate across your remaining lifetime. It is prepared by a certified life care planner working with your treating physicians. Without a life care plan, the future damages in a spinal cord injury case are not quantified and cannot be presented to a jury or an adjuster as a credible number. A Biloxi car accident spinal cord injury lawyer retains a life care planner at the beginning of the case because the life care plan is the foundation of what the case is worth.

The At-Fault Driver’s Policy Limits Are Not Enough To Cover What My Spinal Cord Injury Has Cost Me. What Are My Options?

Your own underinsured motorist coverage under Miss. Code Ann. Section 83-11-101 pays the difference between the at-fault driver’s limits and your actual damages up to your UIM limits. Beyond that, a Biloxi car accident spinal cord injury lawyer investigates every other potential source of liability: the driver’s employer if this was a work vehicle, any dram shop liability if alcohol was involved, any road design or maintenance deficiency that contributed. Every available source of recovery is identified before any settlement is discussed.

Can I Get Punitive Damages In A Biloxi Spinal Cord Injury Case?

Yes, if the facts support it. Mississippi allows punitive damages under Miss. Code Ann. Section 11-1-65 when the defendant’s conduct was grossly negligent or showed reckless disregard for others. A drunk driver who crossed the center line at highway speed, a commercial driver who had been awake far beyond legal limits, a driver who was texting in a school zone are the kinds of facts that support a punitive damages argument. A Biloxi car accident spinal cord injury lawyer who develops that argument and is prepared to try it changes what the insurance company puts on the table.

How Long Do I Have To File A Spinal Cord Injury Lawsuit After A Biloxi Car Accident?

Three years from the date of the accident under Miss. Code Ann. Section 15-1-49. Spinal cord injury cases require extensive expert preparation and the life care plan takes time to develop properly. Starting immediately gives the case the development time it needs. Do not let the statute run while the case is being built. A Biloxi car accident spinal cord injury lawyer protects your rights from day one.

P.S. The TV lawyer is at his ski condo in Colorado. His secretary is about to let the insurance company’s life care expert define what your spinal cord injury is worth for the rest of your life. Get the free book first.

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