After limb loss, insurers often move fast—requesting recorded statements, pushing quick resolutions, or focusing narrowly on hospital bills. In practice, that can leave major costs uncovered, such as:
- prosthetic fittings and replacement cycles
- physical therapy and follow-up surgeries
- assistive devices and home/work accommodations
- ongoing pain management and mental health care
- wage loss and long-term earning impact
A fair result usually depends on having a clear, evidence-backed story about how the injury happened and why the outcome became catastrophic.


