In a community like San Marino, many serious cases arise from high-speed traffic, mixed-use corridors, and pedestrian activity—including crosswalks, school-zone movement, and drivers navigating busier hours.
Catastrophic cases usually involve outcomes that extend far beyond immediate hospital treatment, such as:
- long-term rehabilitation and therapy
- home or vehicle modifications for mobility needs
- attendant care and assistance with daily tasks
- future medical monitoring for brain/spinal injury complications
- diminished earning capacity due to permanent restrictions
Because these losses can last years—or a lifetime—insurance adjusters often look for any reason to limit future damages. That’s why early documentation and a clear damages story matter more than people expect.


