In catastrophic injury cases, settlements usually rise or fall based on whether the record shows long-term consequences with credible support.
For spinal cord injuries, insurers commonly focus on:
- Functional impact (mobility, transfers, bowel/bladder management, skin risk)
- Medical stability and prognosis (what doctors expect next year—not just what happened in the ER)
- Lifetime support needs (care services, durable medical equipment, home/vehicle modifications)
- Rehabilitation trajectory (what therapy is recommended and how long it will likely be needed)
A calculator may ask you to estimate severity, age, treatment timeline, or care hours. But in South Carolina claims, the strongest path to compensation is showing—through records and expert documentation—why those future costs are medically necessary.


