When an Injury Changes Your Life Forever, “Standard” Compensation is Not Enough.
If you or a loved one has suffered a life-altering injury, you cannot rely on a general personal injury lawyer. You need a legal team that understands the medical complexity of Catastrophic Impairment (CAT) designation.
At Cambria Law, we focus on the most severe cases in the GTA. We don’t just fight for a settlement; we fight to secure the lifetime funding you need for 24-hour care, home modifications, and income replacement.
The “CAT” Difference: Why Determination Matters
In Ontario, the difference between a “Severe” injury and a “Catastrophic” injury is millions of dollars in medical benefits.
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Non-Catastrophic Limit: Capped at $65,000 for medical/rehab.
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Catastrophic (CAT) Limit: Increases to $1,000,000 in combined medical, rehab, and attendant care benefits.
Our Strategy: We work with top neurologists, neuropsychologists, and occupational therapists to prove your injury meets the statutory definition of “Catastrophic”—even if the insurance company tries to deny it.
Cases We Litigate
1. Traumatic Brain Injury (TBI)
Brain injuries are invisible but devastating. We look for subtle signs of cognitive decline, personality changes, and executive dysfunction that standard MRI scans miss. We use SPECT scans and neuro-cognitive testing to prove the true extent of the damage.
2. Spinal Cord Injuries (Paraplegia/Quadriplegia)
The lifetime cost of care for a spinal cord injury can exceed $10 Million. We hire Future Care Cost Experts to calculate every dollar you will need for wheelchairs, accessible housing, and personal support workers (PSWs) for the rest of your life.
3. Orthopedic Fractures & Amputations
Multiple fractures or the loss of a limb requires immediate funding for prosthetics and vocational retraining. We ensure you get access to the best rehab clinics in Toronto and Mississauga immediately.
We coordinate Your Medical Team
We are not just your lawyers; we are your care coordinators. We ensure you have access to:
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Case Managers: To organize your medical appointments.
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Occupational Therapists: To assess your home for safety modifications.
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Vocational Experts: To determine if/when you can return to work.
Related: Involved in a specific vehicle crash? See our guides on [Truck Accidents] and [Car Accidents] .
Zero Risk. Maximum Dedication.
Serious injury cases can take years to resolve. You need a firm with the financial resources to fight the insurance giants all the way to trial.
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We Fund Your Case: We pay for all medical experts and court costs upfront.
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We Don’t Get Paid Until You Win: Our fee is a percentage of the settlement we recover for you.
Get the Funding You Need for Your Recovery.
Catastrophic claims have strict application deadlines.
