If you’ve suffered a whiplash injury in a car accident, you may be wondering what kind of insurance payout or settlement you could expect, especially if your recovery includes weeks or even months of physical therapy. A whiplash settlement with physical therapy often depends on several factors, including the severity of your injury, the cost of treatment, and how your life has been affected.

For some, a whiplash with physical therapy settlement may involve a few thousand dollars for minor soft tissue damage. For others, especially those with herniated discs or permanent back injuries, the payout can climb into the six figures. Treatment length matters too, a few weeks of therapy may increase your claim modestly, while a 3 or 6-month course of care can significantly raise the settlement value.

While there’s no exact formula, understanding what others have recovered and what insurance companies consider can help. That’s where a whiplash settlement calculator comes in.

Whiplash Settlement Calculator

If you’ve suffered a whiplash injury in an accident, you might be looking for ways to estimate what your case could be worth. That’s why we’ve included a whiplash settlement calculator on this page, to help you get a rough idea of potential compensation based on key factors like medical expenses, lost wages, and pain and suffering.

Keep in mind, though, that no online tool can fully capture the unique circumstances of your injury or the long-term impact it may have on your life. Whiplash can cause serious, ongoing pain and disruption to your routine, and your settlement should reflect that. Use the calculator as a helpful starting point, but always speak with a Florida personal injury lawyer to get an accurate picture of your case’s value.

Whiplash Settlement Calculator

The calculator below is for informational purposes only. It is designed to give you an estimate of the award you may see from a personal injury claim.

Disclaimer: This case value calculator is for informational purposes only. It is no substitute for sound legal advice. You should be aware that the value of an individual personal injury case is based on many factors.

Whiplash Settlement With Physical Therapy Case Examples

How much compensation you get for a whiplash settlement with physical therapy in Florida varies based on the unique circumstances of each situation and the severity of your injuries. Based on our own settlement data on this page, the average whiplash with physical therapy settlement is between $72,500 to $300,000.

Case 1: $72,500 Settlement for Whiplash and Herniated Disc With Physical Therapy

Our client, who was a resident of Venice, FL and employed as a server, was driving through the main road in a Walmart parking lot when the defendant pulled out from a side road and T-boned our client in his passenger’s side. The impact caused heavy damage to our client’s vehicle.

Initially, our client felt all right and did not see treatment right away. As is often the case, however, his neck and back became painful shortly after the accident as a result of the whiplash injury he sustained, and he sought treatment with an orthopedic practice. Physical therapy was recommended, and an MRI study of the lower back was also prescribed. The MRI revealed a herniated disc at the L5-S1 level.

At the conclusion of our client’s treatment, we presented a demand package to the defendant’s insurance company. The company offered a paltry $4,200.00. In response, we immediately filed a lawsuit against the defendant and pursued the case in court. Through discovery, we were able to demonstrate that although his treatment had been limited, our client had likely sustained a permanent injury to his back. Before the case was scheduled to go to trial, we convinced the insurance company to pay nearly 20 times its initial offer. The case was settled for $72,500.00, an amount with which our client was very happy.

Case 2: $300,000 Settlement for Whiplash and Shoulder Injury Requiring Physical Therapy

In this tragic accident, our client was a passenger in a vehicle being operated by a medical transport company driver. As the driver prepared to change lanes on U.S. 441 in Palm Beach County, FL, she suddenly lost control of the car as a result of overcorrecting as the vehicle pulled to the left. Skidding across the roadway, the vehicle rolled over onto its roof and ultimately collided with a guardrail.

Our client had to be airlifted to the nearest trauma center in West Palm Beach. He was suffering from pain in his neck, as a result of whiplash, as well as left shoulder, lower back, right side, and abdomen. Imaging studies showed that he had sustained a herniated disc in his neck and multiple bulging discs in his neck and back. Our client followed up with his orthopedic surgeon for pain in his back, right knee, and left shoulder. Later testing revealed that he had suffered a serious shoulder separation injury. His right knee, which had been operated on only a few days before the crash and for which he was being transported to the doctor at the time of the crash, was also reinjured and he underwent formal physical therapy for it.

The driver of the transport vehicle had only $50,000.00 in insurance coverage, and, given the significance of the injuries involved, her company quickly paid those limits to our client. We then discovered that the driver’s employer had an additional liability policy with a limit of $300,000.00. We prepared a detailed and comprehensive settlement package for the insurance company and demanded that they pay the full limit of their coverage. Recognizing their substantial liability, the company was convinced to tender its $300,000.00 to our client.

Following the payments by the insurance companies, we also worked hard to reduce the health insurance and worker’s compensation liens that our client was obligated to pay from his settlement. We were ultimately able to cut those liens substantially and save our client additional money. He was very happy with the outcome and with our representation.

Contact Us About Your Whiplash With Physical Therapy Settlement Payout

If you’re dealing with a whiplash injury and undergoing physical therapy, understanding your potential settlement is key. Whether you’re just starting treatment or already deep into recovery, our team can help you navigate your whiplash settlement with physical therapy. Contact us at Abrahamson & Uiterwyk today to discuss your case with a Florida whiplash lawyer, get answers about your whiplash with physical therapy settlement, and learn how we can help you pursue the compensation you deserve. Your consultation is free, and there’s no obligation.