In many catastrophic injury cases, insurance representatives move fast: they call for statements, request medical authorizations, and sometimes offer money before your treatment plan is finalized.
That rush can be especially damaging in Texas amputation injury claims because limb loss typically requires long-term care:
- prosthetics, fittings, and replacements
- physical therapy and rehabilitation
- medications and ongoing follow-up care
- home or vehicle modifications
- work limitations that can continue for years
A settlement based only on current bills usually leaves out future costs—and insurers know that many people don’t realize what comes next until months later.


