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  • Writer's pictureTom Fowler

Average Insurance Settlement for Neck and Back Injury

Updated: Feb 23, 2022

Suffering from neck and back injuries due to a car accident could change the life of the accident victims. Even though the injury is minor, they will still suffer from possible chronic pain and suffering, which probably needs medical care and treatment.

So, if they were involved in an auto accident and had neck and back injuries, then this might involve tough recoveries. Generally speaking, if accident victims are struggling with uncertainties because of crash-related spinal cord injuries or neck and back injuries, they may be tempted to take an injury settlement for a car accident offered by the fault driver's insurance company.

In the worst-case scenario that individuals get involved in car crashes and are suffering from any personal injury like back and neck injuries or spinal cord injuries, looking for a personal injury attorney is indeed a great option. In this way, a car accident lawyer will somehow explain anything about the average settlement for a car accident.

Always bear in mind that serious injuries due to car crashes are always linked with medical bills or medical expenses since medical treatment is imperative. So, once car accidents occur and these provide back and neck injuries, the best thing to do is find a personal injury attorney who can help with back or neck injury claims.

A personal injury attorney will also discuss everything about the injury claim that involves the settlement value of your case. You will also be guided on how you can react or respond to the offer of the insurance companies pertaining to the fair settlement offer equivalent to the sprains and strains that you get from a car accident.

Neck and Back Injuries — What’s the Average Neck and Back Settlement Amount for These Injuries?

Neck and Back Injuries — What’s the Average Neck and Back Settlement Amount for These Injuries?

It would be surprising to know that the average neck and back settlement amount of Des Moines personal injury lawsuits is quite low. Based on the previous years, the average settlement values of your case for body injuries were typically low. However, don’t be deceived by these figures.

It’s important to know and understand that neck and back injuries cover various conditions — from slight sprains and strains up to severe spinal cord injuries and back and neck injuries. Cases for different car accidents involve unique circumstances, insurance policies, and legal issues. Because of this, a person must never decide as to the fairness of the average car accident settlement amount offered by the insurance adjusters.

It is a nice idea to seek a free consultation and hire an experienced personal injury lawyer and ask for some pieces of advice pertaining to the information that could impact the relative value of your case.

Calculating the Settlement Value of Personal Injury Case

Representatives and insurance adjusters are expert enough at calculating the injury personal claims for the employers. Of course, one of their nature of works is to save a huge amount of money which can be spent by the insurance company. So, for them to save their company from spending a big amount of money because of car accidents, they will make some investigations about the incident.

These representatives will start reviewing the crash reports, medical records of the individuals, and other types of evidence. They will also look and consider your car accident injury cases differently compared to a personal injury lawyer.

The difference between the lawyers and the insurance company adjusters is that lawyers will consider their clients as a person who has a serious neck or back injury and who needs fair settlement and medical treatment processes. However, on the other hand, company insurance representatives see the victims as an added case number which is just associated with property damage, medical costs, and other types of expense liabilities of the company.

If ever there are some issues in the injury cases or a person is unrepresented by a personal injury attorney, the insurance company adjusters may take advantage of the person’s weakness, trying to eliminate or reduce the settlement amount for the injury claims. That’s why it is recommended not to accept first the insurance companies offer for the settlement. It would be better to contact an expert lawyer who can help a person who has an injury sustained from an accident.

The Frequent Auto Vehicle Accident Injury Causing Spinal Cord Damage

The spinal cord of a human being is said to be one of the most delicate parts of the body. It's because it carries out information from the human brain throughout the various parts of the human body. If there's a severe auto collision on public roads, then there's a possibility that the spinal cord of a person will be damaged or injured, causing them to suffer from severe injuries to their cervical spine, neck, and back portion of their body.

For more information about the most prominent types of accident injury that cause damage to the spinal cord, back, or neck of individuals, then here are some of the examples:

  • Herniated Disc — This kind of condition typically occurs when there's a crack on the outer cartilage of spinal discs. Moreover, it occurs because of the present conditions on the spinal cord, age-related concerns, and pre-existing problems in the body. However, a car accident may also worsen its damage, which causes herniated disc injury.

  • Injuries on the soft tissues — Soft tissues like ligaments, muscles, nerves, and tendons are the ones that composed the cervical spine of the human body. Once there's a car crash accident, there is a possibility that the forward, sideward, or backward movement may cause tearing and damage to the soft tissues. Thus, it leads to different types of injuries in the body, like a neck injury, back injury, spinal cord injury, and soft tissue injury.

  • Compression Fracture — The occurrence of fracture on the spinal cord and neck portion of the body is because of the forward movement of the upper portion of the body while the seatbelt of the car restricts the lower half of the body. A fracture of the body may happen if there's a car collision or crash that unexpectedly happens.

These are just some frequent auto vehicle accident injuries that cause damage to the spinal cord, neck, or back portion of the human body. There are still some other injuries that may be determined, which affect the lives of individuals.

Injury Lawyers — Calculating the Settlement Values for Car Accidents

Injury Lawyers — Calculating the Settlement Values for Car Accidents

The majority of the cases for car accidents involve negligence. A complainant needs to prove some things for him to claim and recover some sorts of damages during a car accident. Here are some of the things which the complainant needs to prove so that he may be able to recover the damages from insurance companies:

• The at-fault party or driver owed you some duty of care.

• There’s a violation on the road caused by the fault driver’s negligence, causing you some serious injuries.

• Those at-fault driver’s actions caused some damage, like lost income, lost wages, back pain and suffering, and medical care costs.

If the complainant cannot prove these things and elements, the court and the insurance company provider might reject your injury claim.

Since the complainant needs to prove that there’s negligence on the part of the driver, a thorough investigation is imperative. Through a careful and extensive investigation process, lawyers can completely understand the reckless actions of the other party, the damages being incurred, and some other essential facts. The investigation process might involve consultation with some experts, interviewing witnesses, and reviewing some of your crash data or medical records.

But bear in mind that proving the negligence of the driver who is at fault is just the beginning of the investigation for a personal injury case. There are still various factors that affect the value and the strength of a spinal cord injury claim. As the person works with specific lawyers, then they will scrutinize and thoroughly evaluate all these issues, finding means to improve the settlement award for an injury case.

Some Things to Know That Would Affect Back and Neck Injury Settlement

The injuries and recovery procedures of the victims in car crashes are different from one another. Anyone cannot simply claim that soft tissue injury or spinal cord injury is worth a specific amount of cash or money. But for those people with severe injuries, it is expected that they will receive a higher amount of settlement.

If a car accident victim works with professional and expert lawyers from a well-reputable law firm, they will consider lots of contributing factors that would affect the personal claims for injury. Some of these factors that they will consider are the severity of the injury and the recovery’s likelihood of the victim.

The calculation of the back injury settlement amount depends on the unique facts which individuals may experience. Here are some of them:

Kind of Back and Neck Injury

During car crashes, the victims’ bodies might experience forces such as deceleration and acceleration, which cause stretched or ripped soft tissues and broken bones. This kind of traumatic condition may often lead to serious impact and sometimes permanent personal damage. Some usual injuries to the back and neck from car crashes include spinal cord injury, broken vertebrae, herniated discs spondylolisthesis (slipped vertebrae), whiplash, pinched nerves, degenerative changes, and sprains & strains.

The Need for Continuous Medical Care

After car crashes, victims may be required to see surgeons, specialists, and some physical therapists. They may also need assistance with basic needs such as getting dressed or utilizing the bathroom. Thus, it’s also possible that the medical expenses of the victims may increase. Some of their medical expenses might include the following:

• Physical therapy

• Neck and back braces

• Walkers, wheelchairs, and some other devices for mobility

• Some types of surgeries like discectomies, laminectomies, and fusions

• Injections to alleviate the swelling, back pain, and suffering

• Continuous medication and maintenance

All these types of medical care, including treatment that needs to be done in the future, must be included on the personal injury claim which the victims should file.

The Possibility of Returning to Work or Not

Of course, a car accident may somehow affect the daily routines and works of individuals. If a victim cannot return to work due to minor injuries or permanent disability, then the at-fault driver’s company insurance needs to pay them back injury settlement values according to the verdict of the court.

With the help of a lawyer, a person will be aided by assessing back and neck injuries, affecting his income throughout his lifetime. A victim may also seek a piece of advice from vocational experts and specialists to determine the long-term outcomes/consequences of the injuries.

The Strength of Legal Claim and the Defense of the Insurance Company

Some injury claims provide tough outcomes. It’s because the at-fault driver sometimes blames the victims for the crashes. This might even happen in some rear-end collisions. Insurance company representatives utilize defenses such as comparative fault in reducing or eliminating compensation.

For a victim to fight a car accident back, it’s crucial to understand the legal claim’s relative strength plus the defenses of the other party. So, it is highly recommended to hire a lawyer who can assist you in addressing these concerns and building comprehensive litigation strategies.

Insurance Amount Covering the Car Accident

After a car crash, it is important to file a settlement claim for neck or back injury with the insurance company of the driver’s at-fault. But if ever the driver is working during the accident, then a claim may be filed against his employer and not to the insurance policy of the driver. Hiring a personal lawyer can help you with these concerns, especially in determining the coverage that may affect back or neck injuries.

Good Attorney-Client Relationship — Its Importance to Neck and Back Injury Average Settlement for Car Accident

A good relationship with your lawyer is indeed important, especially if you get involved in some auto accidents on public roads. They will see the value of your case as equivalent to the right claims that you need to get out of your back or neck injury from an accident.

If you have some injuries to your spinal cord, back, or neck, then it is advisable to seek a free consultation from an injury lawyer. Your lawyer will give you some pieces of advice that are necessary for your car accident cases. A well-chosen attorney will also consider the right amount of settlement for your claims, especially if you have back or neck injuries like herniated discs that require surgery. A herniated disc from an auto accident may lead to severe conditions, concussion, and even death if this problem is ignored.

Seeking a Free Consultation from the Best Law Firm Through Online

There are numerous law firms that offer a free consultation for some auto vehicle accident cases. You just need to be patient enough to find the right injury lawyer who will help you with your neck or back injury. If you don't know someone in person who can help you with this matter, then searching for their law firms and services is one of the best options. In fact, there's an image of professional live chat hi that you opt to use so that you can talk to the law firm's representatives about your concern.

Try to explore some websites that offer a free consultation so that you can maximize their services. Then, if you think that their services are fit for you, then you can continuously work with them to solve your auto vehicle accident cases. After the back or neck injury settlement cases are solved, then that's the only time that you will pay them for their reliable and professional services.

Some Alternative Ways of How You Can Find the Best Lawyers in Your Place

If you don't want to waste your time searching for the best law firms and lawyers online, then you may directly explore them through word of mouth. Perhaps, some of your friends, relatives, or neighborhoods know someone who can help you with auto vehicle accident problems. It would be better to seek a lawyer's service from the referral and recommendation of your trusted friends and relatives instead of seeking them on your own.

By asking for some referral from someone you know, you can have a guarantee that you will end up having the best lawyer who can handle your spinal cord, neck, and back injury average settlement claims. Moreover, you can have an assurance that you can get what you deserve, helping you to reduce the medical bills or expenses for your complete recovery. You can also claim a settlement for any of your future expenses like physical therapy, medications, and maintenance.

So, don't forget to contact your personal or private lawyer if ever a car crash or accident happens on your way. This may save you lots of expenses. Aside from that, it will also give you the assurance that you can get the right compensation and settlement offer that must be for you.


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