Orlando Catastrophic Injury Attorneys
If you or someone you love suffered a life-changing injury in Orlando or Central Florida, our catastrophic injury attorneys build a claim for a lifetime of care, lost income and loss, not just this month's bills. We prepare every case for trial. No fee unless we win. Call (407) 777-8888
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“The reviews speak for themselves. Trust in the process — Alexandra will deliver.”
What's at Stake
We're sorry this happened. When an injury will change the rest of someone's life, the insurance company knows the claim could be worth a great deal. So it assigns senior adjusters, hires defense firms and looks for every way to pay less. Here's what you're up against.
Insurers like to settle before anyone knows what decades of care will cost. Once you sign a release, those future costs are yours to pay.
Surgeries, therapy, equipment and in-home help have to be proven with a life care plan. If no one builds it, the insurer pretends it doesn't exist.
One liability policy rarely covers a catastrophic injury. Umbrella, employer, commercial and UM policies get missed when no one goes looking.
Most Florida injury claims must be filed within two years. Government claims require written notice first. Evidence disappears long before that.
Let us handle the insurance company.
Alexandra Tosado · Founding Attorney
Your family should be focused on recovery, not on fighting an insurance company. That's our job.
Why You Need a Lawyer
A catastrophic injury is one that permanently changes how you live: a traumatic brain injury, a spinal cord injury that causes paralysis, an amputation, severe burns, the loss of sight or hearing, or any injury that means a lifetime of medical care. In Central Florida, these injuries come from crashes on I-4, the Turnpike and SR-408, from falls, from construction and hospitality jobs, and from negligence at businesses that should have kept people safe.
Insurance companies treat these claims differently from routine injury cases. The damages are larger, so the fight is harder. They hire defense firms that try cases for a living, send you to doctors of their choosing and argue that your future care is speculative. Without an attorney who builds a lifetime damages case and is ready to take it to a jury, families settle for a fraction of what the injury will really cost.
When you hire ANT Law Firm, our Orlando catastrophic injury lawyers take over every call and letter. We preserve the evidence, find every insurance policy that applies, and work with your treating doctors, life care planners, vocational specialists and economists to put a real number on the years ahead. One of our attorneys used to defend insurance companies, so we know how they value these claims, and how to answer their arguments.
We also understand that a catastrophic injury happens to a whole family. Spouses become caregivers. Parents leave work to sit by a hospital bed. We meet you where you are, including at the hospital or at home, and keep you updated in English or Spanish.
Cases We Handle
Catastrophic injuries come from many kinds of accidents, and each has its own rules about fault and insurance. Find yours to see how our Orlando catastrophic injury attorneys handle it.
Riders face head trauma, crushed limbs and amputations, and unfair bias. We push back on both.
Serious crashes on I-4 and Central Florida roads where PIP covers only a sliver of the cost.
People on foot have no protection when a driver isn't paying attention.
Falls cause head trauma, hip fractures and spinal injuries, especially for older adults.
Construction and industrial injuries where a third party may owe more than workers' comp.
When an injury takes someone you love, we help your family hold the responsible party accountable.
Step-by-Step
In the days after a life-changing injury, families are overwhelmed. These steps protect your loved one's health and the claim your family will depend on.
Facing a life-changing injury?
Focus on care first. Before you or your family sign anything or give a recorded statement, talk to an attorney. It's free.
Health first
We Try Cases
In a catastrophic case, the insurer is betting your family will settle before the full cost is known. Here's what happens when they guess wrong.
“The best team ever. They resolved my case in an unimaginable timing. Very professional plus they show their human side when I needed it.”
Landmark verdict
40×
The jury's verdict was forty times the insurance company's offer.
Their offer
$30,000
The jury's verdict
$1.2M
The insurance company offered our client $30,000. We turned it down, built the case for trial and put it in front of a jury. The jury awarded $1.2 million — forty times what the insurer said the case was worth.
Jury VerdictPublic Transportation NegligenceOrange County, FL
Past results do not guarantee future outcomes. Every case is different and is evaluated on its own facts. Amounts are gross recoveries before fees, costs and liens.
The Plan
Call, text or fill out the form. It's free and confidential.
We investigate, gather the evidence, handle the insurance company and get your medical care documented.
We negotiate from strength. If they won't pay fairly, we take it to a jury.
No fee unless we win · Se habla español
Insurers pay what a catastrophic injury is worth only when the evidence is overwhelming and they know a jury will see it. Here's what happens behind the scenes once you hire us.
Compensation
Catastrophic injuries impose costs measured in decades, not months. Florida law lets you recover the full lifetime impact, but only what you can prove, which is why the life care plan matters so much.
Emergency treatment, surgeries, hospital stays, medication and decades of specialist follow-up.
Physical, occupational, speech and cognitive therapy for as long as recovery takes.
Paychecks you missed and the career income a permanent injury takes away.
Nursing, home health aides and the value of care family members provide.
Ramps, widened doorways, roll-in showers, lifts, adapted vehicles and equipment.
Physical pain, emotional anguish, depression and the loss of the life you had.
The impact on your marriage and, in some cases, your children's relationship with you.
In limited cases of intentional misconduct or gross negligence, such as a drunk driver.
Not sure what your case is worth? We'll tell you, free.
Get My Free Case ReviewFlorida Law
Florida's injury laws changed significantly in March 2023, and several rules matter even more when the damages are large. Here's what Orlando families need to know.
No single legal definition. Florida doesn't have one statute that defines a “catastrophic injury” for a lawsuit. What matters is proving how permanent the injury is and what it will cost over a lifetime. Insurers often argue an injury will improve more than it will, so your medical documentation carries the case.
Stepping outside no-fault. After a car crash, your own $10,000 PIP coverage pays first. To claim pain and suffering from the at-fault driver, Florida Statute § 627.737 requires a permanent injury, significant and permanent scarring or disfigurement, a significant and permanent loss of an important bodily function, or death. Catastrophic injuries usually meet that threshold, but it still has to be proven with medical evidence.
Modified comparative fault. Since 2023, your recovery is reduced by your share of the blame, and if you're found more than 50% at fault in most negligence cases, you recover nothing. In a catastrophic case, every percentage point is worth a great deal, so defendants work hard to shift blame. Evidence is how we push back.
Medical bills at trial. The 2023 changes also limit what evidence of medical bills a jury can hear, depending on whether bills were paid by health insurance, are unpaid or were treated under a letter of protection. How your care is billed now can affect your claim later, so talk to us early.
Layered insurance. Catastrophic cases often exceed a single policy. We look for umbrella and excess policies, employer coverage when a driver was on the job, commercial policies for trucking companies, rideshare companies, hotels and theme parks, and your own uninsured motorist coverage.
What Success Looks Like
Facing it alone
With ANT in your corner
Treatment, therapy and equipment for the years ahead, not just this year.
The paychecks and career a permanent injury took away.
Modifications and help that let you live as independently as possible.
Your family was heard, protected and treated with respect.
Every case is different. Past results don't guarantee a similar outcome.
Client Reviews
“I switched to ANT Law Firm from a large local firm and it was the best thing I have ever done! As I hold my settlement check in my hands, all I can say is that Alexandra and her team were absolutely exceptional.”
“Working with Alex and her team was truly one of the best professional experiences I've had. From start to finish, they exceeded my expectations.”
“Hired ANT Law Firm after I got involved in a car accident and I'm glad that I worked with them. They are professionals and know what they're doing.”
Why ANT Law Firm
Insurance companies lowball injured people, and they fight hardest when the injury is catastrophic. We prepare every case for trial so you get paid what you deserve — and you pay nothing unless we win.
Straight Answers
Florida doesn't have a single legal definition for injury lawsuits. The term generally means a permanent, life-altering injury, such as a traumatic brain injury, a spinal cord injury with paralysis, amputation, severe burns, blindness or the permanent loss of an important bodily function. After a car crash, Florida Statute § 627.737 lets you step outside the $10,000 no-fault PIP system and claim pain and suffering from the at-fault driver if you have a permanent injury, significant and permanent scarring or disfigurement, a significant and permanent loss of an important bodily function, or death.
It depends on the type and severity of the injury, your age, your earning capacity before the injury, the cost of future care, who was at fault and how much insurance is available. Florida doesn't cap compensatory damages in most injury cases, so the practical limit is usually the insurance and assets of the parties responsible. We work with life care planners and economists to calculate the true lifetime cost, and we'll give you an honest assessment during a free review. Be wary of anyone who quotes a number before seeing your medical records.
Usually several policies. We look at the at-fault party's liability policy, any umbrella or excess policies, your own uninsured or underinsured motorist coverage, an employer's policy if the at-fault person was working, and commercial coverage for trucking companies, rideshare companies, property owners and businesses. Your health insurance and PIP may pay bills along the way. Finding every layer of coverage early is one of the most important things we do.
Longer than a typical injury claim, because the damages are larger and defendants fight harder. Many cases take a year or more, and cases that go through a lawsuit and trial preparation can take several years. We generally don't recommend settling before the doctors can say what the long-term outlook is, because settling early can leave future care unpaid. We'll give you a realistic timeline and keep you updated at every step.
Yes, as long as you were not more than 50% at fault. Under Florida's modified comparative negligence law, adopted in 2023, your compensation is reduced by your percentage of fault. For example, a $1 million verdict with 20% fault becomes $800,000. If you're found more than 50% at fault in most negligence cases, you can't recover. Defendants in catastrophic cases push hard to shift blame because each percentage point is worth so much, so evidence matters.
You need an attorney who handles serious injury cases and is ready to try them. Catastrophic claims aren't just bigger versions of routine injury claims. They require building a life care plan, working with medical, vocational and economic witnesses, finding hidden insurance coverage, answering aggressive defense tactics and presenting decades of future loss to a jury. Our Orlando catastrophic injury attorneys prepare every case for trial from the first day.
For most negligence claims from injuries on or after March 24, 2023, you have two years from the date of the injury. Earlier injuries generally had four years. Claims against government agencies require written notice before filing, medical malpractice claims have a separate pre-suit process, and wrongful death claims have two years from the date of death. Because catastrophic cases take time to investigate and document, call our Orlando catastrophic injury attorneys at (407) 777-8888 as soon as you can.
Often, yes. A spouse can claim loss of consortium: the loss of companionship, support and household help caused by the injury. Parents of an injured child can recover the child's medical expenses and, in some cases of serious permanent injury, their own losses. When family members leave work to provide care, the value of that care can be included in the injured person's life care plan. We make sure your family's losses are part of the claim.
Still have a question? Call (407) 777-8888 or send us a message.
Keep Reading
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Orlando Catastrophic Injury Attorneys
You focus on recovery. We'll handle the insurance companies, build the life care plan and prepare your case for trial. Your free case review takes a few minutes, in English or Spanish.
