I can speak for personal injury cases in Florida. Past Florida jury verdicts generally put the full value pain and suffering value of a single level fusion surgery at $250,000 to $400,000.  This is for accidents that occur in Miami-Dade, Broward and Palm Beach county. In more rural counties, the value is lower. Therefore, expect the insurance company to offer less in counties like Collier and Lee. Now: The $400,000 top of the pain and suffering range is not a cap. The full value of pain and suffering could be higher. For example, some insurance companies have paid the $1 million policy limits for a fusion. A better paying company like Nationwide is more likely to do this. This does not mean that Nationwide will offer the $1 million limits in a single level fusion accident case. I am just saying that better insurance companies typically offer more for pain and suffering. Don't expect GEICO, State Farm, Allstate or Progressive to be as generous. I have never heard of any of them offering $1 million to settle a fusion surgery. That does not mean that it has not happened. I just have not heard of it. And unfortunately with Uber accident settlements being confidential, we do not know how much Progressive is offering. (In Florida, Progressive is Uber's insurance company.) For example, let's assume the following: Someone else’s negligence caused Mike to have a one level lumbar fusion. Lumbar is a fancy word for back.  Or perhaps he has a cervical (neck) fusion surgery. The fusion surgery is clearly related to the accident.  Assume Mike didn’t have a pre-existing injury to the level of his spine that was fused. The fusion surgery is a success.  Mike treats in total for 10 months. Past Florida jury verdicts for this scenario put the value of a pain and suffering for Mike’s accident between $250,000 to $300,000.  Some Florida personal injury lawyers may value the pain and suffering at a little higher than $300,000 in Mike’s case. However, $350,000 would generally be upper limit on the pain and suffering component in Mike’s personal injury case. (Yes, there are exceptions. I am generalizing here.) The following factors would increase the pain and suffering settlement value of a spinal fusion surgery: More than one level is fused. The surgery was not successful. The injured person treated much more than 10 months or so. On the other hand, if the level that was fused had prior issues, the pain and suffering value would likely be reduced accordingly.  The same is true if the case has causation issues. An example of a causation issue would be if the vehicles involved in the accident had little or no damage to them.