FAQs

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Frequently Asked Questions

Answers When you Need Them Most

A catastrophic injury can reshape daily life in ways people do not expect. Medical care becomes more complex. Financial pressure can build quickly. Families often face new questions about long-term care, employment, and future stability.

At the same time, legal questions begin to surface. Many injured people want to know how claims work, what steps come next, and how responsibility for the injury is determined. The following FAQs address common concerns people raise after a serious injury in Texas.

Texas law provides two related causes of action when a person dies as a result of someone else’s negligence or wrongful conduct. A wrongful death claim is brought by the surviving spouse, children, and parents of the deceased to recover for their own losses, including loss of companionship, loss of financial support, mental anguish, and loss of inheritance. A survival action is brought by the estate of the deceased to recover for the losses the deceased person experienced before death, including pain and suffering, medical expenses, and other damages. Both claims can be brought in the same lawsuit. If you have lost a loved one to a catastrophic event, Team Stogner can help you understand which family members are entitled to bring a claim, what damages may be available, and how the case would be structured.

Team Stogner handles catastrophic injury cases on a contingency fee basis. There is no fee unless we recover for you. Litigation expenses, such as filing fees, expert witness costs, deposition costs, and medical record fees, are advanced by the firm during the case and recovered from the settlement or verdict at the end. You pay nothing out of pocket during the representation. The specific fee percentage and the handling of expenses are set out in the written fee agreement signed at the beginning of the case, and the full accounting is reviewed with you again at the close. There are no hidden costs and no surprises.

In standard catastrophic injury cases, Texas does not cap economic damages such as medical bills and lost earnings, and it does not cap non-economic damages such as pain, suffering, and loss of enjoyment of life. Punitive damages, also called exemplary damages, are subject to caps under Texas Civil Practice and Remedies Code Chapter 41, and those caps depend on the amount of compensatory damages awarded. Medical malpractice claims have separate non-economic damage caps under Texas Civil Practice and Remedies Code Chapter 74. Claims against governmental entities are limited under the Texas Tort Claims Act. The headlines about tort reform often leave the impression that recoveries are heavily limited across the board in Texas. In a typical catastrophic injury case against a private defendant, that is not the case.

You can still recover compensation in Texas even if you were partially at fault, as long as your share of fault is 50 percent or less. This is called modified comparative fault under the 51 percent bar rule. If you are found to be 50 percent or less at fault, your recovery is reduced by your percentage of responsibility. For example, if a jury finds you 20 percent at fault and awards $1,000,000 in damages, you recover $800,000. If you are found to be 51 percent or more at fault, you cannot recover. Many injured people wrongly assume they have no case because they share some blame for the incident. That assumption is often wrong, and the only way to know is to have the facts evaluated by a lawyer who handles these cases.

You generally do not have to give a recorded statement to the at fault party’s insurance company, and you should not do so without counsel. Insurance adjusters are trained to ask questions in ways that elicit answers helpful to the insurance company and harmful to your claim. A statement given in the days after a catastrophic injury, when you may be on medication, in pain, or not yet aware of the full extent of your injuries, can be used against you for the entire life of the case. You may have obligations to cooperate with your own insurance company under the terms of your policy, but even those communications should generally be coordinated through your lawyer. The safest course is to refer all insurance to contact to your attorney as soon as you have one.

The first priority after any catastrophic injury is medical care. Get to a hospital, follow your treating physicians’ instructions, and keep every appointment. Beyond medical care, document everything you can, including photographs of the scene, the vehicles or equipment involved, your injuries, and any property damage. Keep every record, bill, and piece of correspondence. Do not give a recorded statement to any insurance company, including your own, before speaking with a lawyer. Do not sign any documents or releases sent to you by an insurance company or its representatives. Do not accept an early settlement offer, no matter how reasonable it seems, until you have had the case evaluated by counsel. Contact a lawyer as soon as you are physically able. The decisions made in the first days and weeks after a catastrophic injury can affect the case for years afterward.

Expert witnesses are specialists in fields relevant to the facts of the case who are retained to provide professional opinions that a jury or judge could not be expected to form on their own. In catastrophic injury litigation, expert testimony is often central to both liability and damages.

On the liability side, experts might include accident reconstruction specialists who explain how a collision occurred, industrial safety engineers who identify what safety standards applied and how they were violated, or product liability experts who explain how a defective product caused the injury.

On the damages side, experts might include treating physicians who explain the nature and permanence of the injuries, life care planners who project the full cost of future medical care and support needs, vocational experts who assess the impact of the injury on earning capacity, and economists who translate those projections into present-day financial terms a jury can evaluate.

Team Stogner identifies and engages the appropriate experts early in the case, works with them throughout the litigation to develop and refine their opinions, and prepares them thoroughly for deposition and trial testimony. The quality of expert preparation directly affects the quality of the outcome.

An insurance claim is a demand made directly to an insurance company, either your own or the at-fault party’s, asking it to pay compensation for the injury or loss. Most personal injury cases begin with an insurance claim and are resolved through negotiation with the insurer before a lawsuit is ever filed.

A lawsuit is a formal legal action filed in court. Filing a lawsuit does not necessarily mean the case will go to trial. The majority of lawsuits filed in serious injury cases still resolve through settlement before trial. But filing a lawsuit starts the formal litigation process, which includes structured discovery, court-supervised deadlines, and the credible possibility of a jury trial if a fair resolution cannot be reached through negotiation.

The decision of when and whether to file a lawsuit is a strategic one that depends on the specific facts of the case, the behavior of the insurance company, and the legal deadlines that apply. Team Stogner evaluates that decision for every case and discusses it directly with each client before any filing is made.

Catastrophic injury claims often involve losses that extend well beyond immediate medical bills. These cases require a careful look at the full impact the injury has on a person’s life.

Compensation in a serious injury claim can include:

  • Hospital care and ongoing medical treatment
  • Rehabilitation and physical therapy
  • Pain and suffering related to the injury
  • Lost wages and reduced earning capacity
  • Home modifications or mobility equipment

The value of a claim depends on the severity of the injury and the long-term effects it has on the injured person’s daily life.

Serious injuries can happen in many different environments. Some occur on roadways during high-speed collisions or commercial trucking crashes. Others develop after workplace incidents, construction accidents, or unsafe property conditions.

Product failures, industrial accidents, and dangerous equipment can also lead to severe harm. If another person, business, or organization contributed to the incident through negligence, Texas law often allows the injured individual to pursue a claim.

Each situation requires careful investigation. Establishing how the injury occurred is often the starting point for determining legal responsibility.

A catastrophic injury generally refers to a severe injury that creates long-lasting or permanent harm. These injuries often affect a person’s ability to work, care for themselves, or maintain the same quality of life they once had.

Examples often include:

  • Traumatic brain injuries
  • Spinal cord injuries that lead to paralysis
  • Severe burn injuries
  • Complex orthopedic trauma involving multiple fractures

Injuries that require extensive medical treatment or lifelong support can also fall into this category.

If an injury causes lasting physical or cognitive limitations, the financial and personal impact often extends far beyond the initial accident.

Cases tend to move faster when liability is clear, when the at fault party has cooperative counsel and adequate insurance coverage, when medical treatment stabilizes early, when there are few defendants, and when the documentary record is straightforward. Cases with the strongest facts and the smallest disputes tend to resolve more quickly than cases involving disputed liability, multiple parties, and contested damages. The reality is that the largest catastrophic injury cases often take the longest because the stakes are highest and the defense is most aggressive. Team Stogner moves every case as efficiently as the facts allow.

Several factors can extend the timeline of a catastrophic injury case, including ongoing medical treatment that has not yet reached maximum medical improvement, complex liability that requires extensive investigation or expert analysis, multiple defendants whose schedules and strategies must be coordinated, insurance company delay tactics, voluminous records or large discovery productions, court docket congestion, and appeals filed after a verdict. Team Stogner cannot control every factor, but we manage the ones we can and push the case forward at every available opportunity.

After a settlement is reached, the typical timeline from signed release to disbursement is a few weeks. The settlement funds are sent to the attorney’s trust account, where they are held while any outstanding medical liens, health insurance subrogation claims, or government liens are resolved. Once those obligations are addressed, you receive a complete written accounting that shows the gross settlement amount, the attorney’s fees, the litigation expenses advanced by the firm, the lien resolutions, and your net recovery. The check is then issued to you. Team Stogner walks every client through the closing statement in detail before any disbursement is made.

Maximum medical improvement, often abbreviated MMI, is the point at which your treating physicians determine that your condition is unlikely to improve further with additional treatment. It does not necessarily mean you are fully recovered. In catastrophic injury cases, it often means the medical team has done what it can, and the remaining limitations are permanent. MMI matters because it is the point at which the full scope of your damages can be quantified with reasonable certainty, including future medical care, lost earning capacity, and long-term life care needs. Settling or trying a case at MMI gives the jury and the insurance company a complete picture of what the injury has cost and will continue to cost.

In most catastrophic injury cases, yes. Settling a case before you have reached maximum medical improvement means settling before the full extent of your injuries, your future medical needs, and your long-term limitations are known. Insurance companies often try to settle catastrophic injury cases early for exactly this reason, because a settlement reached before the medical picture is complete almost always undervalues the case. There are exceptions, particularly when policy limits are clearly inadequate or when an early settlement is strategically advantageous, but as a general rule, patience during medical treatment protects the value of your case. Team Stogner will advise you on the timing that makes sense for your specific situation.

In Harris County and surrounding Texas jurisdictions, it often takes a year or more after a lawsuit is filed before a trial date is set, and trial settings can be reset by the court for a variety of reasons. Crowded dockets, scheduling conflicts among the parties, and the time required to complete discovery all affect how quickly a case reaches trial. Team Stogner pushes cases forward at every available opportunity, but the pace of the court system is largely outside any single party’s control. We will keep you informed of every setting and every change.

Discovery typically lasts six to eighteen months in catastrophic injury cases, and longer in complex matters involving multiple parties, voluminous records, or extensive expert testimony. Discovery is the phase in which both sides exchange documents, answer written questions, and take depositions. It is the phase where the case is built for trial, witness by witness and document by document. It can feel slow because much of the work happens behind the scenes, but every deposition taken, every document reviewed, and every expert prepared during discovery directly affects the value of the case at settlement or verdict.

The initial investigation typically takes several weeks to a few months, depending on the complexity of the case. During this period, Team Stogner is gathering and preserving evidence, obtaining police reports and incident records, securing witness statements, retaining accident reconstruction or other liability experts when needed, collecting medical records, and identifying every potentially responsible party and every available source of insurance coverage. In commercial trucking cases, oilfield cases, and product liability cases, the investigation can extend longer because of the volume of records and the number of parties involved. Although it can feel slow from the outside, the investigation phase is one of the most important parts of building the case.

In Texas, the general statute of limitations for personal injury claims is two years from the date of the injury. There are important exceptions. Claims against governmental entities under the Texas Tort Claims Act require formal notice within 180 days, and some local governments require notice in as few as 30 to 90 days. Claims involving minors are tolled until the minor reaches the age of 18. The discovery rule may extend the deadline in cases where the injury or its cause was not immediately apparent. Wrongful death and survival claims have their own deadlines. Because these deadlines vary and are strictly enforced, it is important to consult with a lawyer as soon as possible after a catastrophic injury so that no rights are lost to a missed filing date.

A case is resolved when it reaches a final conclusion, either through a negotiated settlement, a jury verdict, or in some circumstances a judgment entered by the court. Resolution is the point at which the legal proceedings end and the compensation, if any, is distributed.

In a settlement, the parties sign a release and settlement agreement, and the agreed funds are transferred, typically to the attorney’s trust account, then disbursed to the client after deduction of attorney’s fees and any litigation expenses that were advanced on the client’s behalf. The specific terms of how fees and expenses are handled will be explained clearly in the fee agreement you sign at the beginning of the representation and reviewed with you again at resolution.

At resolution, Team Stogner will walk you through every number: what was recovered, what fees and expenses are deducted, and what you receive. There are no surprises at the end of a Team Stogner case. The process is explained at the beginning, updated throughout, and confirmed in full at the close.

A member of Team Stogner will contact you by phone the same business day you reach out. That first call is a genuine conversation, not a screening process. A team member will listen to what happened, ask the questions that help us understand the full picture of your situation, and give you an honest assessment of how we may be able to help.

If we believe your case is a strong fit for Team Stogner, we will explain exactly what the next steps look like and what you can expect from us going forward. If for any reason we are not the right fit, we will tell you that directly and do our best to point you toward the right resources.

There is no obligation, no cost, and no pressure. The consultation is free. The goal of that first call is simply to make sure you have the information you need to make the best decision for yourself and your family.

Every case develops at its own pace. Some claims resolve through settlement discussions once the facts and damages are fully understood. Others move forward through litigation.

Lawyers often spend significant time reviewing medical records, consulting experts, and gathering evidence related to the accident. Serious injury claims also require a detailed evaluation of future medical needs and long-term financial losses.

If a fair resolution cannot be reached through negotiation, the case will proceed to trial.

If you or someone in your family suffered a catastrophic injury in Texas, understanding your legal options can be an important step forward. These cases involve serious medical and financial issues that deserve careful attention.

Brant Stogner works with individuals and families throughout the state who are dealing with life-changing injuries. If you have questions about a serious injury case, contacting Brant Stogner could help you better understand the legal process and your options.

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