You can be sure that the initial offer will be one that the insurance company is able to live with. However, it's something you aren't able to accept. If you decide to decline the offer, or state that you'd like to spend some time to consider it, they could inform you that there's an expiration date and that the offer will cease to be valid after a specific date.
It's obviously crucial for your overall well-being and health. However, it's equally crucial if you're involved with an insurance claim related to injury or personal lawsuit for injury. It's essential to document the medical proof (i.e. the treatment record and doctor's bill) for each injury you claim if you wish to reach a fair settlement to your case.
Settlement amounts or verdicts at trial for whiplash cases vary widely however, most cases of light to moderate whiplash cases will be valued between $2500 and $10,000. The more serious cases that require treatments (typically rehabilitation) for a period of time could be priced at upwards of $30,000. Neck injuries that go beyond soft tissue damage which affect the vertebrae or nerves, could often result in settlements or judgments in excess of $100,000.
The insurance company will call you in the early stages of the process, typically within a few weeks. They may have an offer (although in the moment (which is likely to be unsatisfactory) and they could require information in order to build your confidence.
Insurance companies and firms who represent them don't need you to engage an attorney. They work from an advantage at the beginning, in which it's all you and their business, and prefer this way of doing things. They may even try to convince you against hiring a lawyer, however, you could deduce from their desire to convince you that they're not afraid of the consequences that could befall them.
The typical amount of a settlement for whiplash injuries can be anywhere from $10,000 to $100,000 in minor cases, and even as high as $1 million or $5 millions for life-altering situations of whiplash injuries or whiplash disabilities.
We've had experience in cases similar to yours, and we can assist you in receiving the settlement you are entitled to.