Average Car Accident Settlements for Neck and Back Injuries

January 5, 2023
Average Car Accident Settlements for Neck and Back Injuries

When you injure your neck or back in a car accident, you may need a significant amount of compensation to help you pay for treatment. Even though insurance adjusters may be skeptical of your injuries, neck and back pain is disabling and can have a significant impact on your whole life. Hurting your neck and your back greatly impacts how, and if, you can move your body. Riding a bicycle or dancing with your friends is difficult after a neck or back injury. Even cooking a meal is often impossible due to bending and reaching for ingredients and pans.

If your quick trip to the store turned into a tragedy for you, consider pursuing your legal options and learn about the average car accident settlements for neck and back injuries. What happened to cause your severe neck and back pain was due to no fault of your own and it isn't fair. The only fair avenue of approach is securing the compensation you deserve.

Consulting with a neck and back injury attorney at our law firm soon after your car accident can help you protect your financial future and ability to seek compensation. Without a car accident injury lawyer on your side, the insurance companies may not play fair. They may refuse to pay you what you need after a back or neck injury. Without the right amount of compensation, you could find yourself facing a lifetime of medical debt and financial strain.

What Is the Average Car Accident Settlement for a Neck or Back Injury?

The amount of back or neck settlement awarded for your injuries depends on several factors. Each case is unique, so no true averages exist for settlements of judgments. Your back injury settlement or neck injury settlement could be $10,000 or over $100,000 depending on numerous factors.

The severity of your injury and the details of your case, along with evidence, can play an important role in what you receive.

  • How did your back or neck injury affect your overall quality of life?
  • Did you suffer a permanent disability?
  • Did your injury result in long-term pain and suffering?
  • Has your neck or back injury prevented you from returning to work?

At Dolman Law Group Accident Injury Lawyers, PA, our attorneys have one main goal: to get you the compensation you deserve after a serious back or neck injury. The insurance company has a different goal: to pay you as little as possible.

How We Handle the Insurance Companies

Insurance companies are a business and they make money by paying the lowest accident claims they can. To do this, they will investigate your accident closely and try to deny your back and neck injuries. They may say that you are not as injured as you claim. They may even point to pre-existing medical conditions to limit the settlement value of your case.

Our injury attorneys do not let them do this. We fight aggressively for our injured clients every step of the way.

The following examples demonstrate the possible outcomes of successful settlements that far exceed initial settlement offers. Each case is different, and the examples below do not predict nor do they guarantee the outcome of your particular case.

$525,000 Neck and Back Injury to Spinal Disc

The insurance carriers cited the victim's pre-existing neck and back issues, using the causation theory to defend this claim. While the client did, in fact, have significant pre-existing conditions, a personal injury attorney secured a $525,000 settlement.

Before filing a lawsuit, the insurance company's initial offer was $45,000.

$425,000 Lower Back Injury After Car Accident

In this case, the client suffered a lower back injury due to a serious rear-end car accident. Treatment for her injury required surgery. The highest offer before litigation was $265,000.

$415,000 Motorcycle Collision with Cervical Fusion

A motorcycle collision left this client with a damaged disc in his neck. The client tried injection therapy and conservative treatment options without success. To get relief, the client underwent cervical fusion surgery to repair the damaged disc in his neck. The case settled one day before the trial was to begin.

The initial offer before litigation was $130,000.

$380,000 Herniated Disc After Being Rear-Ended

This client was rear-ended while sitting at a railroad crossing. While the insurance company tried to prove the herniated disc pre-existed, it did not. An attorney successfully secured a settlement of $380,000 for the client's back injury, which required surgery.

At Dolman Law Group Accident Injury Lawyers, PA, our personal injury attorneys will work hard to protect your best interests. Your case is unique to your situation and your outcome may differ from those listed above. With proper documentation and evidence of your accident, securing compensation for neck and back injuries is possible and worth pursuing.

Why Pursue an Injury Settlement After a Neck or Back Injury?

Insurance company representatives may offer you a settlement soon after the accident. While the offer may seem like a large amount, it most likely will not cover your future medical expenses. Neck and back injuries are painful and as such, often require pain medication. Lying in your hospital bed, groggy from your medications, is no time to make important decisions.

There are several key reasons for not accepting the initial offer and for pursuing compensation:

  • The limitations of Florida's No-Fault Law - While Florida requires drivers to carry Personal Injury Protection (PIP) insurance, the minimum amount of allowed coverage is $10,000. Depending upon your injury, the costs can sore beyond the thousands and into the millions of dollars.
  • Lost wages - A neck or back injury can not only slow you down, it can prevent you from doing your job, resulting in lost wages. Even desk jobs involve proper posture and turning your head, and driving your car to work may suddenly become impossible due to a neck brace.
  • Accountability - No one should pay out-of-pocket for medical expenses or suffer financial stress due to another driver's carelessness. Holding the negligent driver responsible for their actions may help to assure they will never drive recklessly again.

There's no quick fix to your life after a traumatic car accident. Neck and back pain can follow you throughout your life and long after the initial injury. Pursuing a settlement is your opportunity to seek legal action against the responsible party.

Many personal injury attorneys agree to represent clients with a guarantee of, “if we don't win, you don't pay.” This means there are no fees unless they secure compensation for you. Ask yourself what you have to lose by pursuing litigation and what you have to lose by not taking the chance.

Neck and Back Injury Settlement Damages You Can Claim

Our personal injury lawyers can help you seek monetary damages after a car accident in Florida, or anywhere in the U.S. We are a national injury law firm with considerable experience representing victims of car accidents. Some of the most common types of damages available to accident victims include:

  • Medical expenses both past, present, and future
  • Rehabilitation costs
  • Long-term care
  • Lost income
  • Loss of future earnings
  • Permanent disability
  • Pain and suffering
  • Loss of companionship or consortium

Hiring a personal injury attorney at Dolman Law Group Accident Injury PA is the best way to obtain these damages and reach a successful settlement with the insurance company after a car accident. We can advocate for your interests and maximize the types of damages you can obtain.

Even if the insurance company fights or pushes back - we fight harder. If necessary, we can take your case all the way to trial to secure the compensation you deserve.

Factors that Affect Your Back or Neck Injury Settlement

There are many factors that will affect the amount of your back and neck injury settlement. As such, the amount you can receive may vary greatly from the average settlement amount. Instead of thinking in terms of average settlements, it is important to consider how much YOUR case is worth.

Any settlement you receive is unique to YOUR situation. No two cases are ever the same. 

Many factors will affect the amount you can receive in a back or neck settlement. Some of those factors include:

  • The nature and severity of your injury
  • Other driver's liability
  • Your own liability
  • Insurance policy limits
  • Your attorney's ability to negotiate

One of the biggest factors in the neck or back settlement you can receive is your attorney's ability to negotiate maximum compensation. Insurance companies may try to claim that you already had back or neck injuries. These pre-existing injuries may be used to try and reduce your claim.

Our attorneys know how to combat these tactics. We will work with your medical team to show insurance companies how your accident furthered your already existing injuries and/or caused new ones. We will gather the necessary evidence to show liability and build your case, which often includes police reports, witness statements, traffic surveillance footage, and doctor's reports.

Insurance Policy Limits

Another big factor in the amount of money you can receive after a neck or back injury is the at-fault driver's insurance policy limits. Sadly, you will only be able to recover up to the maximum policy limit unless you sue the defendant or bring a claim against another party. Our lawyers know how to find all liable parties to maximize compensation. If filing a lawsuit is necessary, we are experienced and skilled litigators who are not afraid to fight tough battles in and out of courtrooms for our injured clients.

Types of Neck and Back Injuries and Trauma You Can Include in Your Claim

The first step towards winning your case and reaching a back and neck injury settlement is to understand your injuries and how they will affect your life and your future.

The neck and back are parts of our body we tend to take for granted—until they hurt. The ability to turn our heads and to lift objects depends upon the health of both the neck and the back. A traumatic event can result in serious, life-long, neck and back pain.

Traumatic events can include slip and falls, car accidents, and motorcycle crashes and can occur while working at your job, while walking through a grocery store, or while commuting to work. Here are a few examples of neck and back trauma that require medical attention.

Spinal cord injuries

Car accidents have a habit of inflicting severe damage to people's backs which can lead to a number of issues with the spinal cord. The spinal cord consists of a bundle of nerves that runs the length of the vertebrae that make up the spine. Like other parts of the nervous system, the spinal cord is extremely sensitive and damage to it can severely disrupt a person's ability to control certain organs.

People that sustain a spinal cord injury because of a car accident can suffer from a number of debilitating symptoms such as sensory problems, loss of strength or control of limbs. Spinal cord damage can be suffered directly because of the force of a car collision, vertebrae can be moved and put pressure on the spinal cord, or the spinal cord can be damaged by slivers of broken vertebrae.

Neck sprain

A sudden impact, like that of a rear-end collision, can cause a neck sprain. Described as a stretched ligament or muscle in the neck, a sprain is often quite painful. Sometimes referred to as whiplash, a neck sprain can result in a stiff neck, making it difficult to turn your head.

The pain of a neck sprain can also travel beyond the neck. Patients may experience patchy numbness in their hands or arms and dizziness. Shoulder pain in the upper back and ringing in the ears are other possible symptoms.

Seeking immediate medical attention for suspected whiplash is important for ruling out a spinal cord injury. Sleeping with a neck sprain is difficult and patients may need assistance with daily tasks. Treatment can involve medication, wearing a neck brace, and physical therapy.

Cervical fracture

The neck contains cervical bones. Also called vertebrae, they make up the spine in the neck and have labels of C1-C7. The cervical bones perform the important function of protecting the spinal cord, supporting the neck, and allowing for movement.

When there is a suspected fracture of the cervical bones, first responders must immobilize the patient. Once stabilized, an assessment of the patient's injuries can determine how many breaks exist and their location. Treatment depends upon the severity of the injury and may include a neck brace, traction, or surgery.

Physical therapy and rehabilitation can last for months and some cervical fractures can sometimes result in permanent injury.

Herniated discs

These soft, rubbery discs sit between the vertebrae of the spine. Serving as a type of cushion, the discs can rupture or herniate and push through the vertebrae. The result is pressure on nerves and pain in the lower back or neck.

Shooting pain and tingling or numbness in your limbs can affect your daily life. Herniated discs sometimes require surgery to remove the ruptured disc.

Broken back

A broken back is an extremely painful injury that requires immediate medical attention. Only a medical professional with access to an MRI or a CT scan can properly diagnosis a broken back.

Recovery from such an injury is weeks, months, and possibly years, depending upon the severity. For a broken back injury involving the spinal cord, the damage may require surgery and be permanent.

What a Personal Injury Attorney Can Do for Your Case

A personal injury attorney can represent your interest while keeping you informed of the progress of your case. Deciding whether you even have a case is your first step. As soon as possible, discuss your case with a personal injury attorney.

If you remain in the hospital, ask them to visit you there. Time is of the essence due to the statute of limitations in your state. The sooner an attorney reviews your case, the sooner they can decide upon the best course of action for you.

The initial case evaluation with most personal injury attorneys is free, making it a great way to explore your options. Friends and family may pressure you to accept the insurance company's initial offer. Our experienced personal injury attorneys understand state laws and we know how to negotiate with insurance companies.

Let us handle the legal burdens, make sure the paperwork is filed promptly, and negotiate with insurance companies. Pursuing the best outcome for you requires patience and trust. A highly skilled personal injury attorney at Dolman Law Group Accident Injury Lawyers, PA will do everything possible to settle the case out-of-court. We can help you reach a fair settlement, and are unafraid to go to trial to do so.

Seek an Experienced Personal Injury Attorney Today

Focusing on your health during this trying your time is your top priority. The legal details, witness statements, negotiations, and court filings are best left to a trusted personal injury attorney. Dolman Law Group has a long history of cases where we have successfully recovered compensation for those that have suffered neck and back injuries.

By letting an experienced neck and back injury attorney handle your case, you can rest assured that your case is in good hands. Call us today at 866-594-6094 or fill out our confidential contact form. We are here to help you after a serious back or neck injury, so don't delay!

Dolman Law Group Accident Injury Lawyers, PA
800 North Belcher Road
Clearwater, FL 33765
(727) 451-6900


Matthew Dolman

Clearwater Personal Injury and Insurance Attorney

This article was written and reviewed by Matthew Dolman. Matt has been a practicing civil trial, personal injury, products liability, and mass tort lawyer since 2004. He has represented over 11,000 injury victims and has served as lead counsel in over 1000 lawsuits. Matt is a lifetime member of the Million Dollar Advocates Forum and Multi-Million Dollar Advocates Forum for resolving individual cases in excess or $1 million and $2 million, respectively. He has also been selected by his colleagues as a Florida Superlawyer and as a member of Florida’s Legal Elite on multiple occasions. Further, Matt has been quoted in the media numerous times and is a sought-after speaker on a variety of legal issues and topics.

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