A Catastrophic Injury Changes Everything. We Can Help Carry the Legal Part.
When an injury is permanent, the case has to look years down the road, not just at this month's bills. Erik Severino has spent 20+ years taking on insurers and big corporations, and he builds claims around the care, the lost work, and the lasting harm that families across Las Vegas and Henderson are left to face.
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What Makes An Injury Catastrophic
Some injuries get better with time. A catastrophic injury does not. It is the kind of harm that follows a person home from the hospital and stays: paralysis, a brain that no longer processes the way it did, a body that needs a wheelchair, a prosthetic, or a caregiver for the rest of a life. The medical word is permanent. The everyday word is that nothing is the same after.
Families in Summerlin, Green Valley, Anthem, and across the Henderson suburbs come to us after a single afternoon changed their whole future. A motorcycle down on US-95. A fall from height on a job site. A pedestrian struck near Boulder Highway. The cause varies, but the question is the same: how do you pay for a lifetime of care when the person who caused it would rather close the file cheap?
Many of these injuries first get treated at UMC, the only Level I trauma center in the state, or at Sunrise and St. Rose Dominican, and the medical record that starts there becomes the spine of the whole claim. That is the work on this page. Erik has spent more than 20 years taking on insurers and big corporations across Clark County, and he treats these claims as the long, document-heavy cases they are. If you are reading this from a waiting room, you do not have to have it all figured out. You just have to make one call.
Harm That Reshapes A Life
Catastrophic injuries are not one thing. They share a thread: the damage is lasting, and the care does not end when the hospital discharges you. Here are the injuries that most often bring families to our door.
- ✓Traumatic brain injury
- ✓Spinal cord damage and paralysis
- ✓Severe burns and disfigurement
- ✓Loss of a limb or amputation
- ✓Multiple or crushed bones
- ✓Internal organ damage
- ✓Vision or hearing loss
- ✓Permanent nerve injury
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Pricing A Future, Not Just A Hospital Bill
A catastrophic case is won on the parts you cannot see yet: the surgery three years from now, the wheelchair that wears out, the career that ended early. We build the claim around all of it.
Life-Care Planning
A certified planner maps the surgeries, therapy, equipment, home modifications, and in-home help you will need for the rest of your life, then puts a real cost on each one.
Economic And Vocational Analysis
Vocational and economic professionals measure the wages you have lost and the work you can no longer do, then translate a shortened or changed career into present-day dollars.
Every Insurance Layer
Catastrophic losses outrun a single policy. We look for excess coverage, umbrella policies, employer and commercial policies, and your own underinsured motorist coverage.
Structured Settlement Options
For lifelong needs, a structured settlement can pay out over years with tax advantages, so the money is still there when a new wheelchair or surgery is due.
The Insurer's Playbook In A Catastrophic Case
When the bills are this large, the insurer's whole strategy is to make the number smaller. They have a few favorite moves, and they run them early, before you know how serious the long-term picture really is.
First, they offer a fast, friendly settlement while you are still in shock, hoping you take it before a life-care plan exists. Second, they argue that future care is speculative, that maybe you will recover more than the doctors expect, so they should not have to pay for the chair or the home aide. Third, they dig for a pre-existing condition to blame, anything to say the injury was already there. And fourth, they lean on comparative negligence under NRS 41.141 to pin part of the fault on you and trim what they owe.In Nevada you can still recover as long as you are not more than 50 percent at fault, with your share reducing the award, so their goal is to push your number as high as it will go.
Each of those has an answer, and the answer is built on evidence: treating-doctor opinions, the life-care plan, the economist's report, and a clear record of what really happened. Our job is to have that file ready before the adjuster asks, so a lowball offer does not get a foothold. Many of these claims overlap with a truck crash, a motorcycle wreck, or a pedestrian collision, and each brings its own coverage to chase.
You Work With The Attorney, Not A Call Center
A catastrophic case is not a file to hand off to a rotating set of case managers. It is years of someone's life. Erik handles these cases himself, from the first hospital-room call to the final resolution, and he stays reachable while it is happening.
No Fee Unless We Win
You pay nothing up front. Our fee comes out of the recovery, and we go over case costs with you before anything starts.
Available 24/7
Serious injuries do not wait for office hours. Call nights, weekends, and holidays. Hablamos Español.
Local To Henderson And Las Vegas
We know the roads, the courts, and the regional insurers. You can sit across a desk from your lawyer, or we can come to you.
What To Do Right Now
You do not have to manage all of this. Focus on the medical care and let us protect the rest. Keep the hospital and treatment records, write down what you remember while it is fresh, and do not give the other side's insurance a recorded statement or sign anything before you have talked to a lawyer. If a family member cannot speak for themselves yet, a close relative can usually start the claim and hold the deadlines. Then call us, and we will take the legal weight off your plate.
Four Steps That Build A Strong Claim
You bring us what happened. We handle the professionals, the evidence, and the insurers.
We Lock Down Evidence
Medical records, the scene, photos, and witnesses, before anything fades or gets recorded over.
We Find The Coverage
Every policy that could pay: umbrella, commercial, employer, and your own underinsured coverage.
We Build The Life-Care Plan
A certified planner and an economist put a real number on the years of care ahead.
We Demand The Full Picture
We present the whole loss and prepare for court so the offer reflects a lifetime, not a month.
Under NRS 11.190, you generally have two years from the date of injury to file.Catastrophic cases need that time to build a life-care plan and line up the right professionals, and claims involving a government agency or vehicle have a special claim procedure on top of the deadline. Talk to us early so a deadline never decides your case for you.
Find The Injury That Fits Your Situation
Each catastrophic injury has its own medicine, its own evidence, and its own way of being valued. Start with the one that matches what you or your loved one is facing.
Catastrophic Injury Questions, Answered Plainly
"Erik was a pleasure to deal with especially while having to go through such a horrible financial decision. He made the entire process easy and explained everything along the way. He was very quick to respond via email which worked very well for us. We talked to a few attorneys before settling on Erik. We are very happy we did."
Where To Go From Here
Tell us what happened to you or your loved one. We will listen, tell you honestly whether you have a case, and explain what handling it would look like. No pressure, no cost, and no obligation to do anything but talk.
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