Any injury that leaves you with permanent disabilities is catastrophic.
Such injuries could include:
Traumatic brain injuries, including concussions. In some cases, concussions could cause chronic traumatic encephalopathy or even Alzheimer’s disease. Other types of traumatic brain injuries include intracranial hematomas, skull fractures, contusions, diffuse axonal injuries, and penetrating injuries.
Internal injuries, including damage to the kidneys, liver, spleen, heart, and lungs.
Back and spinal cord injuries that lead to partial or full paralysis.
Neck and shoulder injuries that lead to partial or full paralysis.
Multiple fractures, whether simple or compound, especially if those fractures are not expected to heal properly.
Excessive scarring, such as that from burns or road rash.
Disfigurement, such as that from broken bones or back and spinal cord injuries.