Car & Auto Accidents
Insurers often downplay whiplash. Learn why soft-tissue injuries are real, how to document them, and how Minnesota's threshold applies.
Whiplash Is a Real Injury
Whiplash and other soft-tissue injuries occur when the body is rapidly jerked in a collision, straining muscles, ligaments, and tendons. Symptoms — neck pain, stiffness, headaches, reduced range of motion — can appear hours or days later and last for months.
Why Insurers Downplay Them
Because soft-tissue injuries don't always show on X-rays, insurers often argue they're exaggerated or pre-existing. This is a tactic to reduce payouts. Consistent medical documentation is the best counter.
Meeting Minnesota's Threshold
To pursue pain and suffering from the at-fault driver, your injuries generally must meet the no-fault threshold. Whiplash that requires extended treatment, causes 60+ days of disability, or results in permanent effects may qualify.
Protect Your Claim
Follow your treatment plan, keep every record, and don't let an insurer talk you out of care you need. A free review can clarify your options.
This article is general information, not legal advice. Every case is different. For guidance on your specific situation, call 973-566-5599 for a free, confidential case review.