Anybody have experience with whiplash settlement?

[KnottedYet]

I had a neck strain, minor. Didn't need PT. Besides paying all my bills and the ambulance ride, the driver's insurance paid my missed day of work and $500 for my inconvenience. (it was a hit and run, so their insured was in deep doo-doo)

[bcipam]

Just some advice - I'm an attorney and a claims adjuster (although I don't handle auto BI but I did many years ago), you need to be reasonable. There is a formula to determining injury value. Think of it this way....

How many weeks did you suffer discomfort/and or pain? Assuming it was 4 weeks and the first two weeks were the worse and the last you got better...

week one $1,000
week two 750
week three 500
week four 250

Plus your medical bills

Plus the value of any potential future medicals - such as additional doctors visits, treatment etc. Also need to factor in a reasonable period of disability based on the impact and damage to your car (as an adjuster I would give more value to an injury if the car was moderately damage as to opposed to a car that suffered very minor or no damage).

Don't expect something like "3 times medical". Most carriers don't use that as a formula to calculate damages and besides part of the "3" relates to attorneys fees. If the adjuster seems reasonable and willing to work with you (remember everything is negotiable - if the adjuster offers say $2,500, you can counter with a amount above what you are willing to settle for assuming the negotiation will end up somewhere in the middle). Be patient. Be cordial, nice, pleasant (remember you get more flies with honey...) and don't be in a hurry. It's kindof like buying a car - who gets worn down first - you are the salesman? But have an amount in mind you feel is reasonable. You should be adequately compensated for your medical bills, and your period of discomfort.

[Running Mommy]

yeah, like BCIPAM said.. I would listen to the offer and tell them you are going to talk it over w/ someone and will get back to them. Ice em' that's what I say...
Sorry about the whiplash. man that stinks! I got it once from an accident and it was horrible. The funny thing is I worked in the Ins industry at the time, so I always thought it was a scam to "get one over on the man"... Until it happened to ME!!
Now I know, and I'll NEVER doubt anyone again!