Before I show you how to calculate the settlement value of a herniated disc case if you’re injured in Florida or on a cruise ship, I’ll explain what a herniated disc is and its relationship to an accident.
What is a herniated disc? Is it related to an accident?
A herniated disc is a spinal injury. It is a disc in your spine that ruptures. When it ruptures, the jelly like center of the disc leaks and irritates the surrounding nerves.
Herniated Discs can Be in Lower Back, MidBack or Neck
You can get a herniated disc in your lower back, mid back (thoracic) and/or neck (cervical). You may see the term “axial” pain in your medical records or on a diagnostic report (MRI or CT scan report, etc.).
Axial pain is limited to the neck and back.
Herniated Discs Not Usually Found in the Emergency Room
Most injured accident victims, who ultimately diagnosed with a herniated discs, are not given the diagnosis at the emergency room.
This is because emergency rooms generally use a CT scan and not an MRI when taking images of your spine. A herniated disc is found on an MRI much more than on a CT scan in most cases that I have handled.
Below is a Herniated Disc (in the Lower Back) from a $100,000 Settlement
Below is an actual MRI of a herniated disc in the lower back. It is from a $100,000 Miami, Florida motorcycle accident settlement that I had.
Below is a Herniated Disc (in the Neck) from a $17,000 Settlement
Below is an actual MRI of a herniated disc in the neck. It is from a $17,000 Miami, Florida car accident settlement that I had.
Most Neck or Back Pain Goes Away in 6 Weeks
Most neck or back pain resolves in about 6 weeks or so. If you have radicular symptoms, it means that you have pain that is radiating into your arm or leg.
Radicular Symptoms Usually Occur When You Have a Pinched Nerve; Increase Value
Radicular symptoms can include pain, numbness and tingling, and usually occur when you have a compressed (pinched) nerve. An image of a pinched nerve is below.
Herniated Disc Impinging on Spinal Nerve May Need Surgery
If you someone’s carelessness caused your herniated disc and it is impinging on the spinal nerve, this may increase the full value of the personal injury case.
ACDF Surgery Raises Full Vase Value
An ACDF surgery generally increases the full value of the personal injury case.
Herniated Disc Can Cause Sciatica
A herniated disc can lead to sciatica or back pain. The image below shows the sciatic nerve.
People that are injured sometimes call a herniated disc a “slipped disc”, though doctors do not use this term.
You Can Herniate a Disc from an Accident; But Maybe Not More than 2
You can herniate a disc from an accident. I recently heard an orthopedic doctor say that you cannot herniate more than 1 to 2 discs from an accident.
Can a Disc Protrusion be Painful?
Send Claims Adjuster CT scan and/or MRI films
If you are diagnosed with a herniated disc, you should immediately request the MRI or CT scan of your neck or back. You should then mail or send this disc to the claims adjuster.
The claims adjuster may hire a radiologist to read the films and determine whether he feels that you have a herniated disc.
Settlement value of pain and suffering for a herniated disc caused by an accident in Florida, or on a cruise ship or boat.
This article applies to Florida herniated disc claims for many types of accidents. I wrote separate articles on:
This article also applies to the personal injury portion of your claim if you are hurt while working and you also have a personal injury claim.
This article applies to seamen or crew who suffer an injury while on a boat or ship.
Full Case Values May Not Apply to Workers’ Compensation Claims
Some of this article does not apply if you only have a Florida workers compensation claim.
Radiating symptoms are known as radiculopathy, which means that pain is extending to the arms and/or legs.
Case Can Be Serious Even Without Radiating Pain; Don’t Listen to the Adjuster!
I do not accept this argument. Claims adjusters often tell me that my client’s case is not serious because he or she does not have radicular symptoms.
Radiating Pain Generally is Worth More
But adjusters generally offer more money if you have radicular symptoms. You can learn more about settlements for neck injuries or back injuries in Florida regardless of the specific type of injury (herniated disc, bulging disc, compression fracture, and soft tissue injury).
Know The Breakdown of Past Verdicts and Settlements
It is important to itemize damages from past cases so that you can know the going settlement rate for a typical herniated disc.
Every Herniated Disc Isn’t Worth the Same Amount
If you hear that someone injured in an accident settled a herniated disc case for $25,000, don’t assume that every herniated disc case is automatically worth $25,000.
For all you know the medical bills alone in the that case totaled $25,000.
Without Breakdown of Damages, Settlement Values are Worthless
Hearing about a settlement – without a breakdown of damages – does not help you when you are trying to determine how much your case is worth.
But if the damages are itemized, then you can learn more about recent trends in Florida for the amounts being offered or jury verdicts for a herniated disc. If you know how much your case is worth, then you can know whether to accept an offer by the liability insurer.
Your Attorney Should Know Your Case Value…After You’re Done Treating
One of 11 reasons to hire a lawyer is that an attorney should know the fair settlement value of case when the case is ready to settle.
Find out how a Florida liability insurer may deny or minimize the existence, cause or severity of a herniated disc.
Full Settlement Value of a Pain and Suffering for Herniated Disc Case ($25,000 to $50,000)
In Florida, for settlement purposes and as a starting point, I value the full value of the pain and suffering component of a typical non-surgical herniated disc between $25,000 and $50,000.
The full value of the personal injury component is then added to the full value of the other components in the case.
Lower end of the above settlement range is with little medical treatment and little disability.
High end of the settlement value for the pain and suffering component of a typical herniated disc in Florida $50,000
The higher end of the range is when the treatment is longer and you are left with more of a disability.
On the other hand, if another person or company did something severe (such as drunk driving) and caused your accident, the value of a case involving a herniated disc can significantly increase.
Serious Disabilities May Be Worth More than $50,000
If you’re left with a serious disability due to your herniated disc, the full value of pain and suffering can increase above the $50,000 mentioned above.
Customer Gets $370,000 Verdict for Pain and Suffering from 3 Level Fusion of Herniated Disc
This isn’t my case. for a 57-year-old woman who had a 3 level cervical (neck) fusion, as well as surgery on her shoulder.
She had a herniated disc in her neck. She was injured at Home Depot in Vero Beach, Florida when a metal rack fell on her neck and shoulder.
Some herniated disc cases that I have handled are on my Florida injury settlements page.
$550,000 Verdict for Pain and Suffering of 3 Herniated Discs
This is not my case. The pain and Suffering alone for an adult woman who suffered a herniated discs and osteophyte complex at C4-5, C5-C6, C6-C7, as well as pain in her tailbone.
She slipped and Fell at a Condo
She slipped and fell on a clear substance on a stairway at a condominium building in Orange County, Florida owned by the defendant.
She said that the condominium association failed to inspect the stairway and fix the dangerous condition (the substance on the floor). The condo association said that they did not know and that it was unreasonable for them to know of the alleged dangerous condition.
Defendants also said that the woman did not provide notice to them of the condition of the stairway as required by Florida Statute Section 83.201.
40% Fault Placed on Lady Who Slipped and Fell
The jury found the condo association 60% at fault and the woman 40% at fault. The case is Manzo v. The Sanctuary at Bay Hill Condominium Association, Inc.; Apogee Association.
Jury Awards Her a Huge Amount for Medical Bills; She Likely Had Surgery
The jury awarded a huge amount, $375,617, for past medical bills. That leads me to believe that there were surgeries. The jury awarded the woman almost $120,000 in pain and suffering for each herniated disc.
This is above the starting point that I believe fair for purposes settlement value for pain and suffering from a herniated disc in a Florida accident.
I have said before that the starting point that I use in an operated disc case for the full value of pain and suffering is between $25,000 and $50,000 for pain and suffering only. But it may need to get significantly adjusted up or down.
$55,000 Verdict for Pain and Suffering for Herniated Disc and Rotator Cuff Tear
This isn’t my case. A passenger slipped and fell on a Royal Caribbean cruise ship gangway (walkway) when it was raining.
Most Herniated Discs Occur in the Lower Back
Most herniated discs occur in the lower back. You should know about past settlements for accident cases involving a herniated disc in the lower back.
Herniated Disc Cases Often Come with Other Injuries
In many cases where someone injures a herniated disc, he or she also has other injuries as well. The value of those other injuries should be added to the full value of your case when trying to settle it.
Prior Neck or Back Pain in the Same Location as Herniated Disc
If you had pre-existing injury, it can decrease the value of your case. However, you still may be entitled to damages that stem from an aggravation of a pre-existing injury.
Your age may impact the amount of your Florida injury settlement. Older people are much more likely to have a herniated disc than younger folks.
Many People Have Herniated Disc and Don’t Know About (Study)
Research Study of 67 People With No Low-Back Pain, Sciatica or Issues
This is, in part, because there was a study where an MRI was given sixty-seven individuals who had never had low-back pain, sciatica, or neurogenic claudication.
- About 30% of the subjects were found to have a substantial abnormality.
Study Showed Under 60 Years Old, 20% Had a Herniated Disc and 1 Had Spinal Stenosis
In the study, for people who were under 60 years old, 20 per cent had a herniated nucleus pulposus and one had spinal stenosis. Below is an image of spinal stenosis.
60 Years or Older, 57% of Scans Had Issues
For people who were 60 years old or older, the findings were not normal on about 57% of the scans.
Degeneration or Bulging Disc at At Least 1 Lumbar Level in 35%
There was degeneration or bulging of a disc at least 1 lumbar level in 35% of between 20-39 years old and in all but one of the 60-80 yr. olds
Even though those individuals never had low-back pain, sciatica, or neurogenic claudication, many of them still had pre-existing issues.
Other factors that may make your herniated disc case tougher:
Treatment with a Chiropractor Instead of an Orthopedic Doctor
Little Damage to the Vehicles Involved
History of Working in Manual Labor Jobs (Construction Worker, etc.).
The insurance company may say that your herniated disc is the result of your hard labor, including but not limited to heavy lifting. They may deny that the accident caused your herniated disc.
Defense Doctor May Say Your Disc Isn’t Herniated
Often times, the radiologist hired by the insurance company for the at-fault person or company will say that you have a disc bulge and not a herniated disc. Bulging disc settlement values are generally less than the settlement value of a herniated disc.
Prior Treatment at Same Vertebrae Level as the Herniated Disc
If you’ve had prior medical treatment at the same level as the herniated disc, this may decrease the case value.
If the Liable Party Has $10,000 in BI Liability Insurance, and You Have a Herniated Disc, Will They Pay You the $10,000 Limits?
Maybe. $10,000 is the most common bodily injury (“BI”) insurance limit that Florida cars have.
Factors that may increase the chance that an BI liability auto insurer pays its $10,000 limits are:
Big damage to the car that you were in
You were a pedestrian when the car hit you
At fault driver was drunk
You only have 1 herniated disc
Surgery is Recommended
Herniated Disc is Big (e.g. 6 millimeters)
The type of accident doesn’t require you to prove your injury is permanent
You’ve had epidural injections or surgery
You Have Surgery
Herniated Disc is in Your Neck; Or Back but Not a Rear End Crash
Many more factors
Note: You can always take your case to trial and see how much a jury will award you.
Example of Calculating a Herniated Disc’s Settlement Value
As a starting point only, I use a settlement range of $25,000 to $50,000 for the full value of the pain and suffering component a disc herniation from an accident in Florida, or on a cruise ship or boat. Let’s use a figure that is in the higher end of the range, $40,000, for this example:
Case may be worth = Full value x (100% – X% reduction because you didn’t report incident)
Case may be worth = $40,000 x (100 – 25%)
Case may be worth = $40,000 x (75%)
Case may be worth = $30,000
Did you suffer a herniated disc in an accident in Florida, or a cruise or boat? Do you have another type of injury?
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Over the past 11 years, I have settled cases for people who were injured in accidents in the following counties and cities: Miami-Dade, Broward, Palm Beach County, Miami, Kendall, Hialeah, Homestead, Miami Gardens, Miami Beach, Pembroke Pines, Hollywood, Miramar, Coral Springs, Fort Lauderdale, Pompano Beach, West Palm Beach, Boca Raton, Port St. Lucie, Deerfield Beach, Boynton Beach, Delray Beach, Jupiter, Fort Pierce, Tampa-St. Petersburg, Orlando, Jacksonville, Sarasota-Bradenton, Cape Coral, Fort Myers, Palm Bay, Melbourne, Pensacola, Kissimmee, Bonita Springs, Lakeland, Tallahassee, Winter Haven, Gainesville, Ocala and more.
Editor’s Note: This post was originally published on April 2013 and has been completely revamped and updated.