Whiplash, When to Claim – Assessment For Insurance

Posted by MVMT Team

Those who are familiar with motor vehicle injuries have probably heard of whiplash. It usually occurs as a result of sudden braking at high speeds which, in turn, causes the neck to abruptly flex back and forth. In whiplash, the sudden forward and backward movements are strong enough to cause severe neck injury. In worst cases, the neck can break and cause instant death.

Because whiplash is the immediate effect caused by vehicular accidents, the victim has almost automatically a right to claim for insurance and possible damages against those who caused the accident and injury. While this is very much understandable, there are also cases of insurance claims from bogus whiplash injuries.


Most insurance companies mandate an assessment be conducted first before paying out a whiplash claim. Here are a few steps to follow if circumstances warrant placing an insurance claim:

Properly Documenting the Injury

  1.  See a Doctor – The first thing any whiplash victim should do is to see a doctor, preferably someone who is an expert in head and neck injuries. Even if there is little pain felt, you should still see a doctor as a precaution. Depending on the severity of the injury, the medical doctor may refer you to a physiotherapist for pain management and injury rehab. The cost of the physio treatment is then typically included in your insurance claim for personal injury.
  2. Document Everything – Insurance companies naturally require proof of the vehicle damage due to an accident, which is true for your body as well. It is very important that all costs and expenses incurred in diagnosing and treating whiplash must be covered by official bills and receipts. Document and keep all records, as you will be required to present this when you claim for insurance.

Contacting the Insurance Company

Once you have everything ready, it’s time for you to get in touch with your insurance company. Be ready, as you may be dealing with at least two types of adjusters – one who specializes in assessing actual costs of your injuries and a car examiner. Their goal is verify your claim as legitimate.

In cases where you will be filing claims against the one who caused the accident, you may also want to contact their insurance company. Depending on their terms, you may have an easier time in getting claims through that channel.

Exercise your right to claim for an auto related whiplash injury. It’s not easy living with pain. Give us a call any time if you require help with a whiplash related injury or have questions about the process.

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