In practice, a catastrophic injury claim is often tied to injuries that change someone’s day-to-day life for the long term—commonly including:
- Traumatic brain injuries (including concussion with persistent symptoms)
- Spinal cord and back injuries with lasting impairment
- Severe burns and permanent scarring
- Loss of limb or injuries requiring long-term reconstructive care
- Injuries that leave a person unable to return to their job or perform everyday tasks
In Winona, these outcomes frequently follow serious vehicle crashes, worksite incidents, or falls where the injury is initially underestimated—especially when symptoms evolve over weeks.


