Average Car Accident Settlements for Neck and Back Injury

Calculating a personal injury case value for neck and back injuries requires a detailed analysis of the circumstances of your accident, the severity of your injuries, and the available insurance coverage. The most effective method to determine your case value is to speak with a qualified personal injury attorney

Mitchell Proner has been recognized as one of the most talented and experienced trial advocates in the country. He has represented clients in over 30 jurisdictions across five continents and has won over $400 million for accident victims. If you’ve been injured in a car accident call us today for a free case evaluation at 202-986-3030.

What is the average car accident settlement for neck and back injuries?

There is no average settlement amount because every car accident case is unique. Some claims are worth $20,000, whereas others are worth millions.

A case value cannot be predicted based on a single factor. Even cases with similar types of injuries can have widely varying case values that receive settlement offers based on negotiations with insurance adjusters.

The key is to hire a personal injury lawyer who has experience with car accident claims and fair settlements for car accident victims who have sustained serious injuries as well as for those with minor injuries.

Why do settlement values vary?

Motor vehicle accident cases are complex. The circumstances of the accident, the consequences and severity of the injuries, and the characteristics and behavior of the parties involved are unique factors that influence settlement amounts.

Your Neck and Back Injuries

Severe neck and back injuries result in high medical bills, long periods of disability, a large number of days missed at work, and significant pain and suffering. Injuries that result in permanent pain or disability contribute more to case value than less serious injuries.

Pain and Suffering

Even if your injuries are similar to someone else’s injuries, they may have a different impact on your life. For example, you may respond differently to treatment. This can impact short-term and long-term pain and suffering.

In addition, depending on your lifestyle before the accident, your injuries may limit your usual life activities in a way that drastically reduces your quality of life. For example, if you lived an active lifestyle before the accident, you may be less able to resume your usual life activities than someone whose activities were lower-key.

Medical Treatment

Your case value can be raised or lowered based on whether you seek medical treatment and complete your doctor’s treatment recommendations, including diagnostic CT scans and X-rays, physical therapy, and other treatment types.

If you do not seek medical care or complete your treatment plan, you won’t have medical records to document your medical costs.

The insurance company could use this against you and claim you were not severely injured or that your injuries did not cause you to miss work.

The amount of time you’re getting treatment, the quality and quantity of visits to doctors, the type of treatment that you get, whether it’s injections, whether you need a surgery, whether you, in fact, have that surgery, diagnostic testing, X-ray, MRIs that come back positive, all these factors will increase the value of your claim.

Your Lost Wages

Lost wages are an important part of your neck or back injury settlement, and the following will be considered in your lost wages calculation:

  • Your earnings before your accident
  • The number of workdays you have missed
  • The length of time you will be unable to work
  • Whether you will ever be able to return to work
  • Whether you will be forced to return to the workforce in a lower-paying position

Lost wages will contribute the highest amount to your settlement value if you were a high-wage earner before your auto accident and are permanently unable to work afterward.

Additionally, your occupation can impact your case value. For example, if you are an office worker, you are more likely to be able to return to work with a disability than someone who works in maintenance, repair, engineering, and other physically demanding professions.

The Available Insurance Coverage

Compensation for most injuries following a car accident is typically limited to the available coverage under the insurance policy.

If your accident occurred in New York, a no-fault state, you must file a claim through your own no-fault insurance. This insurance only provides coverage for lost wages and medical expenses.

If your injuries are catastrophic or you live in an at-fault state, you can file a claim against the at-fault party’s liability insurance for economic and non-economic damages, but the insurance company is obligated to pay only up to the coverage limits.

In many states, the minimum coverage is just $25,000 per accident, far short of the medical expenses many injury victims incur. In rare cases, you may be able to collect directly from the insured individual, provided the individual has collectible assets or the means to pay.

If your accident involved a commercial truck, you may be able to file a claim against the trucking company. Trucking companies have higher insurance policy limits and may be able to pay the full cost of your damages.

The Contributing Causes of Your Accident

A contributing cause is a circumstance that helped cause your accident or worsen your injuries. Examples of contributing causes include:

  • Road conditions
  • Defective tires
  • Defective airbags
  • Faulty mechanical repairs

Your Role in the Accident

A settlement in any car crash depends largely on the at-fault driver. If you are partly to blame for the accident, your share of the liability can impact your payout.

In New York, you can collect compensation even if you are 99 percent at fault. Under such circumstances, you would receive only one percent of your case value. This underscores the importance of retaining a car accident attorney who can minimize your share of fault and secure a higher settlement.

The Lawyer You Choose

Your case value is in the hands of the lawyer you choose. Lawyers with the following characteristics will maximize the value of your case:

  • A successful track record
  • Experience with your type of case
  • Proven trial experience
  • A strong reputation
  • A commitment to service and respect for the attorney-client relationship
  • A strong network of lawyers, experts, and consultants

This is the type of service Proner & Proner clients have come to expect from our law firm. Our attorneys get record results for our clients because we have the resources, skill, and talent to win cases at trial and recover the damages our clients deserve.

It starts with a free case evaluation during which we will answer any questions a potential client may have regarding our services and continues to the resolution of your case.

Get Advice From An Experienced Personal Injury Lawyer

All You Have To Do Is Call 212-986-3030 To Receive Your Free Case Evaluation.

How is case value calculated?

The two primary types of damages negotiated in car accident settlement discussions are economic damages and non-economic damages.

Economic Damages

When you have been severely injured in an accident, you will likely miss several days at work while at the same time incurring medical expenses. In the most severe cases, you may permanently lose your ability to continue earning an income.

These are examples of verifiable monetary losses known as economic damages. While calculating economic damages involves totaling your medical bills and lost wages, it is more complex than running totals.

If your injuries will result in long-term or permanent disability, you will also need to consider ongoing lifetime medical costs and your lifetime lost earning capacity. You will need the assistance of the following:

  • Lifecare planners to anticipate your lifetime medical needs
  • Financial analysts to calculate your lifetime medical costs and lost earning capacity
  • Economists to ensure future inflation is factored into your calculations

Non-Economic Damages

Non-economic damages are the pain and suffering that stem from your neck and back injuries. The method of calculating non-economic damages may vary based on your situation.

Some attorneys and insurance companies rate pain and suffering using multipliers. Severe pain and suffering is assigned a higher number, which is multiplied by your total economic damages.

Some attorneys prefer to use historical data from case history to determine the value of your case. In truth, there is no set formula for calculating pain and suffering because every client’s pain and suffering is unique.

Generally speaking, the more permanent, painful, and disabling your injuries, the more that non-economic damages will contribute to the value of your case.

New York does not limit non-economic damages.

Types of Back and Neck Injuries

Nearly all back and neck injuries are painful, but those that will heal without long-term pain or disability are considered minor. Minor back and neck injuries generally result in lower compensation than severe injuries.

Minor Back and Neck Injuries

Back and neck injuries that are generally considered minor include the following:

  • Whiplash
  • Soft tissue injuries
  • Sprains
  • Strained ligaments and tendons
  • Broken or cracked ribs
  • Stiffness of the back, neck, or shoulders
  • Severe bruising

Severe Back and Neck Injuries

Severe back and neck injuries are injuries that may cause permanent disability or chronic pain, such as:

  • Compressed or broken vertebrae of the spine
  • Spinal cord injuries
  • Broken neck
  • Severe whiplash
  • Pinched or herniated discs

Spinal cord injuries may lead to varying degrees of paralysis, including quadriplegia and paraplegia. Pinched or herniated discs can lead to chronic pain and a need for back surgery. Whiplash injuries can lead to traumatic brain injuries, which could result in permanent disabilities, including cognitive disabilities.

How Proner & Proner Can Help

In 1990, Mitchell Proner experienced several broken bones in his back as a result of a serious motorcycle accident when a taxi ran a red light and collided with him. While he was fortunate enough to recover and return to work, he understands the pain and trauma accident victims experience.

Mitchell Proner’s father, A. Stanley Proner, founded our firm in 1958 with a clients-first philosophy, and Mitchell continues his father’s legacy to this day:

We return our clients’ phone calls. We are available 24/7, 365 days a year. I give out my personal cell phone number to all my clients, and I tell them they can feel free to contact me at any time. That’s what makes us different.

Proner & Proner has extensive experience dealing with insurance companies, and these companies know that our talented attorneys are formidable in the courtroom and will see the case through to the end. As a result, we can often negotiate large settlements with the insurance company.

Our law firm accepts the following types of motor vehicle accident cases:

If you have sustained back and neck injuries due to someone else’s negligence, the attorneys at Proner & Proner will fight tirelessly to obtain an above-average car accident settlement to cover the cost of quality medical treatment for common injuries.

Contact us today for a free consultation.

Recent Entries

Lawsuit compensation
Motor Vehicle Accident

How Is Fault Determined in a Car Accident?

The determination of fault is central to any car accident case. The responding law enforcement agency usually makes the initial determination of fault. However, law …

Read More
Personal Injury

How Much Does a Personal Injury Lawyer Cost?

We understand that hiring a lawyer for your personal injury case is a big decision. Most clients want to know, what does it cost to …

Read More
piece of paper with settlement types on it laying over money
Personal Injury

How to Increase My Personal Injury Settlement

One of the most common questions our clients ask is how to increase settlement value. While there is no average settlement amount in a car accident or …

Read More
lawyer shaking hand with man using a crutch
Personal Injury

How Long Will It Take for My Personal Injury Case to Settle?

Many factors determine whether a case can be settled such as the client, the insurance company, and the insurance company’s lawyers.

Read More
Personal Injury Lawyer signing papers
Uncategorized

When to Hire a Personal Injury Lawyer

If you have been injured in an accident caused by the carelessness of others, you need a personal injury lawyer to protect your interests and win maximum compensation.

Read More
Motorcycle rider and blurry road ahead
Motorcycle Accident

What to Do After a Motorcycle Accident

Riders involved in motorcycle accidents might not realize the importance of the decisions they make shortly after a crash. In fact, seemingly minor actions can …

Read More

Let Proner & Proner In New York City Help You

If you have been in an accident, or need a lawyer to help a loved one, please contact us by filling out our website form, or call us directly at the number listed above.

Our firm will use its 50 years of experience to answer all the questions you may have at no cost to you. Please contact us when you’re ready. We are here to help you.