A neck fusion procedure can be a pretty terrifying experience, but it is sometimes necessary after a serious incident that led to a spinal injury. If you’re the victim of a spinal injury and need a neck fusion, you’re probably wondering about the settlement amount you could get from the person or persons who caused your injury.
While it’s difficult to give a forthright answer, based on the factors leading to the injury, the settlement for a neck fusion claim can be high. However, it’s best to speak with a personal injury lawyer to determine exactly how much you might be able to recover in a settlement. High Rise Financial could help you get the legal funding you need to cover your neck fusion costs.
In This Article
How Much Does a Neck Fusion Cost?
Without insurance, a neck fusion is likely to cost you around $40,000 to $50,000, depending on the state you’re in and the facility you visit. If you have health insurance, they will likely cover a good portion of this, but how much will obviously depend on your insurance agreement and the amount of your deductible for extensive procedures like neck fusions.
In addition to the cost of surgery, plus fees for anesthesia, imaging, etc., you will also want to consider the other costs associated with recovering from a severe neck injury. Your total recovery is likely to take several weeks or months, which means you probably won’t be able to work for some time following your neck fusion surgery.
You could also be beset by other bills, such as the cost to repair or replace your car or the expense to purchase various pain medications. Overall, you can expect to be financially set back by quite a lot.
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How Much You Can Get in a Neck Fusion Settlement
A neck fusion settlement should cover all the expenses that you’re likely to incur following an accident. The surgery alone is going to cost nearly $50,000. Additionally, you can expect other expenses to add up to hundreds of thousands of dollars to repair damaged property and help you recover after surgery. Therefore, you can expect that a neck fusion settlement may be anywhere from $250,000 to $400,000.
Of course, a lot of this depends on the extent of your injuries and what other damages you have suffered. If you’re not sure how much you deserve, don’t settle for whatever the at-fault party’s insurance company offers. Instead, reach out to a lawyer for help setting the amount you deserve to cover your damages.
Damages in a Neck Fusion Settlement
Besides the outright surgery cost, there are a few other costs you can expect to receive compensation for if you decide to pursue a claim against those who caused your accident and neck injury. These damages, both economic and non-economic, may include:
- Medical expenses for the surgery, therapy, medications, medical equipment, etc.
- Property damage expenses
- Loss of income during your recovery period.
- Loss of earning capacity
- Pain, suffering, and humiliation
- Scarring and disfigurement
- Emotional distress
- Loss of life enjoyment
- Loss of consortium
These are pretty broad categories. With help from a lawyer, you can determine what exactly applies to your situation and estimate how much compensation you deserve in a settlement. Regardless, because of the severity of a neck injury, your settlement is likely to be high.
Collecting Evidence for a Neck Fusion Settlement
If you want to pursue a claim against the at-fault party who caused your accident, you will need some evidence. There are a few things you should keep track of if you want the most successful claim possible. These include:
- Medical bills and records
- Receipts for repairs to your car or other damaged property
- Witness statements and/or witness contact information from those who saw your accident
- A journal detailing the various ways you have suffered since the accident
- The police report from your accident, if applicable
Try to keep these things available so that when you speak with a lawyer to get started on your claim, you are ready to prove your case.
Paying for Your Neck Fusion
If you have been in an accident and are dealing with a neck fusion, you are likely going to need help paying for the surgery. With initial costs coming in at $100,000, it’s probable that your settlement is going to take some time since most insurance companies are going to try and negotiate for some time before compromising with you on an amicable settlement.
Thankfully, you don’t have to pay for everything out of pocket while you wait for your settlement. If you are under pressure to pay your bills, you may be tempted to take a quick settlement offer from the insurance company that is actually much lower than you deserve.
How High Rise Financial Can Help
To help you avoid taking a small settlement that will not cover all your medical expenses, High Rise Financial can help you. We offer a pre-settlement loan that will help you recover the costs you need to continue living your life while awaiting a legal settlement.
As soon as you win your settlement, you can pay back whatever we loaned you. And if you end up losing your settlement, you won’t have to pay us anything. If you’re in a situation where you need help paying your bills so that you can stay afloat while awaiting a settlement, reach out to High Rise Financial.
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Lawsuit Loans for Neck Fusion Settlements
When you have an incoming neck fusion settlement, our lawsuit loans could be the answer you have been looking for. These are not like traditional loans, where you need to prove creditworthiness and the source of income. You simply need to be working with an attorney and be at least 18 years of age to qualify. We will need to speak with your lawyer to find out whether you meet the eligibility requirements and how much they expect you to be awarded for your neck fusion injury damages.
After our loan specialists have spoken with your lawyer, we may be able to approve your application. Once approved, the pre-settlement funds you need will be sent to your bank account in a matter of hours. Then, you can cover many of the expenses that have been holding you back from rebuilding your life, such as:
- Outstanding rent or mortgage payments
- Credit card debts
- Medical bills related to your neck fusion injury
- Regular household expenses, such as groceries
- Utility and Internet bills
- Phone bills
- College tuition and housing costs
- Extracurricular activity fees
- Insurance payments
Working Toward a Settlement
Even though a neck fusion settlement is likely to be successful, it may take some time for it to be completed. If you aren’t sure how you’re going to pay for your medical expenses while waiting for that settlement, connect with our team at High Rise Financial. We would be delighted to help you pay for your expenses with an interest-free loan.