Injuries we hear about most
- Whiplash and soft-tissue injuries. Often dismissed as minor, yet a frequent cause of months of pain and missed work.
- Concussions and traumatic brain injuries. Headaches, light sensitivity, memory trouble, and mood changes can begin days after impact.
- Spine and disc injuries. Herniations and radiating nerve pain that may require injections or surgery.
- Fractures. Wrists, ribs, collarbones, hips and ankles are common in side and rollover impacts.
- Knee and shoulder injuries. From bracing against the dash, pedals, or steering wheel.
- Burns, lacerations, and airbag injuries. Including facial and eye injuries from deployment.
- Psychological injuries. Anxiety, driving phobia, insomnia and PTSD are recognized harms, not side notes.
Categories of compensation
Injury claims are usually built from these components. Which ones apply, and how they are valued, depends on your state, the available coverage, and the strength of your documentation.
- Past medical expenses — ER, imaging, specialists, therapy, medication
- Future medical care — ongoing therapy, injections, planned surgery
- Lost wages — missed shifts, used PTO, self-employment income
- Loss of earning capacity — when injuries change what work you can do
- Pain and suffering — physical pain and emotional distress
- Loss of enjoyment of life — activities, hobbies and routines you lost
- Out-of-pocket costs — transportation, home help, medical equipment
- Property damage — personal belongings damaged in the crash
What strengthens a claim
- Prompt treatment, then consistent follow-through on the plan
- Clear, complete medical records that connect each symptom to the crash
- Wage documentation from an employer or tax records for self-employment
- Photos of visible injuries over time
- A short daily journal of pain, limits and missed activities
- Statements from people who see the difference in your daily life
How comparative fault affects the number
Most states reduce compensation by your share of fault, and a few bar recovery if your share crosses a threshold. Insurers know this, which is why early questions about speed, phone use, or seatbelts are rarely casual.
Find out what your situation involves
No honest site can quote your case value from a web page. What we can do is review the details, tell you what coverage looks available, and get you in front of the right person quickly. A representative will reach out within the day.