The time you will have to file a personal injury suit for your catastrophic back/neck/disc injury is called the statute of limitations. Your case does not have to conclude by the end of the statute of limitations, it just has to be filed.
Under GA Code § 9-3-33, the statute of limitations holds that injured parties in Georgia have just two years to bring personal injury claims forward. After those two years are up, a court will dismiss your claim due to the statute of limitations.
Oftentimes, the insurance companies that you may have to deal with will engage in stalling techniques to run out the clock and avoid having to pay you anything. For this reason and other complex factors that go into the statute of limitations in any case, it is crucial to get in touch with an personal injury lawyer experienced in dealing with cases of back/neck/disc injury claims.