If you’ve suffered a neck injury after a motor vehicle accident, you might be questioning whether your claim is worth pursuing—especially if you didn’t break any bones or require surgery. Many injury victims hesitate to take action because they assume their injuries aren’t “serious enough.” But let me tell you, I’ve represented countless clients in your exact situation, and you might be surprised at what your claim could be worth.
Meet Samantha: A Real Case Example
To give you a better idea of how a case like this might play out, let me share the story of one of my past clients, Samantha.
While Samantha’s story is based on a true case, her real name is not being disclosed in order to protect her identity.
The Accident and Liability Dispute
Samantha’s primary injury from her car accident was to her neck.
When she first contacted me, she wasn’t sure if her claim was worth much or even if she should bother pursuing it. She hadn’t sustained any fractures, didn’t need surgery, and wasn’t sure if an insurance company would take her injuries seriously.
To make matters more complicated, the other driver’s insurance company initially denied liability. They claimed that Samantha had veered into their insured driver’s lane, causing the crash.
But I knew there was more to the story.
How We Proved the Other Driver Was at Fault
I tracked down a witness who had been traveling directly behind Samantha at the time of the accident. He confirmed that the other driver had been driving recklessly—speeding, weaving through traffic, and attempting to merge when he clipped Samantha’s vehicle, causing her to spin out.
Once I presented this witness statement, the insurance company had no choice but to accept liability.
Samantha’s Neck Injury and Medical Treatment
After the accident, Samantha was transported to the hospital by ambulance. She complained of neck pain, along with pain in other areas of her body.
Doctors ran diagnostic tests and determined that she had not suffered any fractures. She was discharged shortly after.
However, her neck pain persisted.
About three weeks after the accident, she started physical therapy to help manage her pain and regain mobility. She continued treatment for several months until she reached a full recovery.
Settlement Negotiations and Samantha’s Final Payout
Once my office collected all of Samantha’s medical records and bills, we initiated settlement negotiations with the insurance company.
After some back-and-forth negotiations, I was able to settle her case for $37,000.
In addition to this, she received $10,000 in personal injury protection (PIP) benefits, bringing her total recovery to $47,000.
Samantha was thrilled—she had no idea her claim could be worth anywhere near that amount!
Key Takeaways for Neck Injury Claims
Samantha’s case proves a crucial point: Even if you don’t have broken bones or need surgery, your injury claim can still have significant value.
Here’s what matters most in a neck injury case:
✅ Seek medical treatment. Even if it’s just chiropractic care or physical therapy, getting proper treatment is essential for both your recovery and your claim’s value.
✅ Don’t assume you have no case. Many injury victims underestimate their claims. Without legal guidance, you might not realize the true value of your case.
✅ Insurance companies don’t always play fair. Samantha’s case was initially denied until we tracked down a key witness. Without proper legal representation, she may have walked away with nothing.
✅ Settlement negotiations matter. A skilled personal injury lawyer knows how to negotiate with insurance companies to maximize your compensation.
If you’re suffering from a neck injury after an accident, don’t make the mistake of assuming your case isn’t worth pursuing.
What If the Insurance Company Gives You a Low Settlement Offer?
Now that you know your claim could be worth more than you expect, you might be wondering… what if the insurance company lowballs my settlement offer?
If that happens, don’t panic! I’ve got you covered.
Check out my video that’s about to pop up right here, where I explain exactly how to respond to a low settlement offer.
And remember—if you’ve been injured in Kentucky, Don’t Wait, Call Tate!
Disclaimer:
This blog post is not legal advice. Always speak with a lawyer about your specific situation.
