In many severe injury cases, the dispute isn’t whether you were hurt—it’s why you were hurt and how long the harm will last. In Hayden, that often shows up when insurers argue:
- the injury was caused by something other than the crash (pre-existing conditions or unrelated symptoms)
- the symptoms “should have improved sooner”
- your limitations are exaggerated because you can still do some daily activities
A catastrophic injury claim tends to require medical records that clearly connect the incident to the current impairment, along with evidence showing how the injury affects real life—work, mobility, and ongoing care.


