The immediate and rehab costs of caring for a quadriplegic are immense, and assuming she adjusts well to the problem and starts to build a new life, the maintenance of health and a relatively independent lifestyle also involves major ongoing costs for the rest of her life. Most U.S. insurance companies are always looking for ways to reduce payments, so at this stage it makes sense to explore all long term finance options, and if negligence on the part of the organizers is a reasonable possibility, then litigation is the route to go.
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