Battle Born Injury Lawyers | July 30, 2025 | Car Accidents
A back and neck injury can affect you both physically and financially. A car accident settlement is supposed to compensate accident victims for their injury-related losses. However, there is no formula for calculating an average settlement. Instead, the settlement you can expect will depend on many factors.
Factors Affecting A Car Accident Settlement
Your injury claim includes evidence, such as medical records and accident reports. This evidence will determine the value of your case. Specifically, the other driver’s insurer will look at the following factors when offering a settlement:
The Severity Of Your Injuries
Neck and back injuries vary greatly in severity. A whiplash injury, for example, occurs when the spine hyperextends. The stretched or torn ligaments, muscles, and tendons produce a painful injury. However, you can usually recover from it with time and treatment.
Conversely, a herniated disc can be a permanent injury. Moreover, the damaged disc can irritate and inflame nerves, producing radiating pain, weakness, and numbness that may never go away.
These injuries vary in the level of care required, their prognosis, and their impact on your ability to work or engage in normal activities.
At-Fault Driver’s Insurance Coverage
The other driver’s policy limits could impact the settlement you receive. The state requires all vehicle owners to carry at least $25,000 per victim in bodily injury liability coverage. If a driver carries the minimum coverage, the insurer cannot offer more than $25,000 to settle your claim.
However, some drivers carry more insurance. More insurance means the insurer can offer a higher settlement.
Proof Of Negligence
Insurers use settlements to avoid jury trials. If you have a strong case, the insurer has a strong incentive to settle. If your case is weak, the insurer may prefer to take its chances at trial. Thus, stronger evidence of liability could lead to a better settlement offer.
Estimating Your Car Accident Settlement
The settlement you seek in your case includes your economic and non-economic losses. Your lawyer and the at-fault driver’s insurer will exchange offers and counteroffers as they negotiate your settlement. However, the amounts discussed will be based on the following elements:
Economic Losses
Your economic losses encompass the financial expenses you incurred due to your injuries, such as the following:
- Medical bills
- Lost wages
- Out-of-pocket expenses, such as a cleaning service while you recovered
You can also pursue future financial losses, such as medical costs you will reasonably pay for future treatment and therapy, and diminished earnings due to long-term or permanent injuries.
You can estimate these losses by gathering your financial documents and medical records and adding the amounts you paid or lost as a result of your injuries. You can then add this past amount to the future losses you reasonably expect to incur.
Non-Economic Losses
Non-economic losses are more difficult to calculate because they involve losses without a quantifiable value. These losses attempt to capture the impact of your injuries on your quality of life, such as the following:
- Pain and physical discomfort
- Suffering and mental anguish
- Emotional distress
- Disfigurement if your injuries altered your appearance
- Dismemberment if you lost a body part or the use of a body part
- Disability if you are unable to perform tasks and activities normally
The amounts awarded for these losses depend on the severity of your injuries. Permanent injuries or those that are particularly disabling, such as a spinal cord injury, often result in greater compensation than temporary injuries.
How Much Can You Expect For A Back And Neck Injury?
The insurance settlement for your back and neck injury depends on the impact of your injuries on your life and the strength of your case against the other driver. Rather than focusing on an average amount across all accident cases, you can calculate your unique losses by adding your economic costs and non-economic losses.
Contact the Las Vegas Car Accident Attorneys at Battle Born Injury Lawyers Today
If you or a loved one were injured in an accident in Las Vegas and you need legal assistance, contact our car accident attorneys at Battle Born Injury Lawyers and schedule a free consultation with our legal team.
Battle Born Injury Lawyers
400 S 4th St Suite 290,
Las Vegas, NV 89101
(702) 357-4868
Battle Born Injury Lawyers – Las Vegas Office
10789 W Twain Ave #100
Las Vegas, NV 89135
(702) 570-9000
Battle Born Injury Lawyers – Reno Office
675 W Moana Ln #206
Reno, NV 89509, USA
(775) 535-7768
Battle Born Injury Lawyers – Henderson Office
8540 S Eastern Ave #200
Henderson, NV 89123
(702) 500-0287
