How much do insurance companies pay for whiplash

Whiplash is one of the most common types of car accident injuries. After a car accident, you may be entitled to significant compensation for your whiplash treatment.

How much money can you expect to receive from an auto insurance company for whiplash symptoms? What types of whiplash treatment will an auto insurance company cover for whiplash? Will car insurance cover physical therapy, chiropractic care, and other whiplash expenses? Read on to find out everything you need to know about how much car insurance will pay for whiplash symptoms.

Reading: How much do insurance companies pay for whiplash

how whiplash injuries work

One of the most complicated parts of a car accident is accurately assessing the full extent of your injuries. Sometimes you may feel completely pain-free after an accident, only to have debilitating neck and back pain set in weeks after an accident.

In other cases, you may feel severe whiplash symptoms immediately after an accident, only for those whiplash symptoms to go away after 1 to 2 weeks.

Most whiplash-type injuries go away within a week. even the most severe whiplash injuries will be symptom-free after 3 to 6 months. however, a few whiplash injuries are more serious, causing stiffness, pain, and mobility problems for years to come.

If your whiplash symptoms last for more than three months, you are likely experiencing something more serious than a standard whiplash injury. Prolonged whiplash symptoms could indicate that you have sustained damage to your cervical spine (vertebrae C1 through C7), including damage to the joints and discs between those vertebrae. Long-term symptoms of whiplash may also indicate damage to the cervical muscles, cervical ligaments, or nerve roots around the neck.

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For all of these reasons, it’s critical that you get an accurate diagnosis of your whiplash symptoms. Neck pain that lasts for weeks after a car accident should not be dismissed as “simple” whiplash that will go away quickly.

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Get an accurate diagnosis of your neck and back injuries after a car accident. These bills could provide crucial evidence in a future personal injury lawsuit or auto insurance claim.

how to make a car insurance claim for a whiplash injury

In most car accidents, the at-fault party must pay the medical bills of the not-at-fault party.

Let’s say someone rear-ended your vehicle at an intersection, causing your head to snap forward and creating enormous pressure on your neck. he has serious whiplash injuries and deserves compensation. In this situation, the other party may be 100% at fault and you may be entitled to have the other driver cover 100% of your medical bills.

If the other driver is at fault, then the other driver’s insurance company will cover your medical bills up to the limits of the other driver’s insurance policy.

If the other driver is uninsured, or if your medical bills exceed the limits of the other driver’s insurance policy, then you have two options: First, you can use your own uninsured or underinsured motorist insurance to cover your remaining expenses ; or, second, you can file a personal injury claim against the other driver to cover the remaining damages.

What if you live in a no-fault state? In a no-fault state, your own auto insurance would be used to cover your medical bills, including your medical payments coverage or your personal injury protection (PIP) coverage. 12 states in america are no-fault states. however, even in these states, you may be entitled to seek compensation from the at-fault party, for example, by filing a personal injury claim.

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How much auto insurance can I expect to receive for a whiplash injury?

How much compensation can you expect to receive after sustaining a whiplash injury?

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Liquidation values ​​can vary widely. The more serious your whiplash injury, the more compensation you can expect to receive.

A mild to moderate whiplash injury, for example, can generate an average settlement of between $2,500 and $10,000.

However, a more severe case of whiplash may require extensive physical therapy and massage therapy to heal the body. this could lead to a settlement of up to $30,000.

Certain neck injuries after a car accident are more than just whiplash—they involve damage to the vertebrae, ligaments, nerves, muscles, and other components of the spine. For neck injuries that go beyond soft tissue damage, you could end up with a settlement of more than $100,000.

Ultimately, car insurance settlement payments for a whiplash injury vary widely depending on your situation, your location, the extent of your injuries, and a host of other factors.

when to talk to a lawyer about getting compensation for whiplash injuries

A lawyer can help you decide if you should file a personal injury lawsuit after a car accident. If you have suffered serious neck or back injuries after a car accident, it is in your best interest to speak with a personal injury attorney.

You should especially talk to a personal injury attorney if your insurance company refuses to cover your whiplash claims or refuses to take your claim seriously.

Most personal injury attorneys offer free consultations. Consider speaking with a personal injury attorney today to ensure you receive adequate compensation for your whiplash injuries after a car accident.

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