If your car accident injury leads to loss of cervical lordosis, this may affect the value of your insurance settlement.
So you may be wondering how much you can expect?
Well, typical settlements for cervical spine injuries can range between $25,000 to $100,000, and potentially more, depending on the details of your case.
For example, if your injury caused permanent loss of cervical lordosis, the payout is likely to be higher (if there is enough coverage). But that isn’t the only factor.
The only way to get an accurate assessment of how much your case is worth is to contact an attorney. You can start by reaching out to No Bull Law for a free case evaluation.
In the meantime, we’ll go over the average settlement amounts and what affects them to help you set realistic expectations. We’ll also cover how to prove your injury (and why it’s important to do so) and how to maximize your settlement, so you’re in a position to get the best possible result.
There isn’t an exact price tag on any injury you suffer as a result of a car accident. The settlement you receive should cover medical bills, but also more subjective factors like pain and suffering, and the effect on your quality of life.
For instance, loss of cervical lordosis can be caused by a traumatic event such as a car accident. So the settlement would cover the treatment you receive for the herniated disc, as well as the physical therapy to treat your loss of cervical lordosis.
If you have a severe case, you may suffer symptoms for life. This will greatly impact your quality of life and can potentially limit your earning capacity.
All of this would affect your payout.
The average Texas car accident claim settles for around $25,000.
However, as we mentioned, back and neck injury settlements often yield much higher payouts than the average — between $25,000 to $100,000+.
In some severe cases, settlement may reach as high as six or seven figures.
Why is there such a massive range?
Well, many factors—which we’ll get to in a minute—contribute to the final payout.
For example, you’re more likely to receive an amount in excess of 6 figures for a spinal injury if you were struck by a commercial driver while they were at work, as their insurance would likely have higher limits. The same might apply if your spinal injury requires extensive surgery.
On the other hand, you may receive a lower settlement if you only experience mild symptoms, didn’t follow your doctor’s treatment protocol (as that would signal that your injury isn’t as serious as you claim), or are found to be partially at fault for the accident.
Why Does Loss of Cervical Lordosis Increase Settlements?
Loss of cervical lordosis is a spinal cord injury that straightens the natural curvature of your spine or neck. It can cause pain, limit mobility, affect balance, and more.
In other words, it’s a severe injury that can have huge consequences on your quality of life.
It also requires extensive treatment, which may include physical therapy, lifestyle adjustments, pain medication, surgery, and steroid injections.
These can be time-consuming and costly, and healing can take years. Some injuries can even be permanent and life-altering.
However, being diagnosed with loss of cervical lordosis doesn’t guarantee you a settlement amount falling within the ranges mentioned earlier; There are further considerations.
5 Factors that Influence the Settlement Amount for Loss of Cervical Lordosis
Insurance adjusters and your attorney will look at the following factors to determine the settlement amount you’ll receive for your neck injury:
1. Types of Damages
Your personal injury settlement can account for three types of damages, each playing a role in the final settlement value:
- Economic Damages: These cover measurable financial losses like medical expenses, lost wages, and property damage resulting from the accident.
- Non-economic Damages: These compensate for non-financial losses like pain and suffering, emotional distress, and loss of quality of life.
- Punitive Damages: A court may award the plaintiff additional punitive damages if the at-fault party acted with extreme negligence.
2. Injury Severity and Treatment
Medical expenses for a severe injury like loss of cervical lordoses are expected to be high due to long-term treatments, surgeries, and rehabilitation. This can increase the settlement amount significantly.
Loss of cervical lordosis also ranges in severity from mild hypolordosis (slight straightening of the normal curve) to severe hyperkyphosis (reversal of the normal curve).
If you have a catastrophic injury with life-changing effects, injury settlement figures can increase even more.
3. Legal Representation
A skilled personal injury attorney can make a major difference in securing a higher settlement. They can negotiate with insurance companies and build a strong personal injury case using medical records and other evidence to maximize your compensation.
In fact, according to the Insurance Research Council, motor vehicle accident cases settle for 3 to 3.5x more on average when a personal injury lawyer handles the negotiations.
4. Insurance Coverage
The at-fault driver’s insurance company will only pay up to the maximum their policy covers per plaintiff. This can limit your settlement value, even if your damages far exceed this amount and you have a strong case.
That said, you still have other options you can discuss with your personal injury lawyer, such as filing a lawsuit against the liable driver.
5. Liability
In a Texas car accident, the at-fault driver is liable for your damages. However, Texas follows a modified comparative fault system, meaning that your settlement amount may be reduced if you're partially responsible for the car crash.
To get full compensation, you and your legal team need to prove that you had no fault in the motor vehicle accident and that it was the accident that caused your injury.
Diagnosis typically involves imaging tests such as X-rays, MRIs, or CT scans to assess changes in the cervical spine curvature.
Remember, you must provide clear evidence of your injury and prove that the car accident caused it to receive fair compensation in a car accident settlement.
That’s why you have to keep all your medical records, including all reports, treatment plans, and medical expenses, to connect your injury to the accident. Additionally, you need to follow all medical advice very carefully to support the seriousness of your claim.
But things can get a little tricky if you had a pre-existing spinal injury. In this case, you and your personal injury attorney will need to do some extra work to prove that the accident worsened your injury.
This process may sound stressful, but with a clear approach and the right legal support, you can build a strong case and get what you deserve rather than leave money on the table.
Follow these steps to get the best possible settlement for your personal injury claim:
- Seek medical attention immediately after the accident, even if you think your injuries are minor. Your neck injury may change over time, so it helps to have a record of the injury right after the incident. Make sure to detail every symptom you experience after the accident.
- Follow all medical advice to the letter so the insurance adjuster can’t place any blame on you for worsening your injury.
- Contact a personal injury law firm that can clarify the process and protect you from missteps.
- Work with your lawyer to file an insurance claim with plenty of supporting evidence.
- Don’t accept a lowball offer. Let your lawyer negotiate for a fair settlement.
- File a lawsuit (within two years of the accident) and take the case to court if you can’t reach a fair settlement through insurance.
Boosting your settlement isn’t just about what you do — it’s also about who’s fighting for you. The right personal injury attorney can make all the difference.
Get the Best Possible Loss of Cervical Lordosis Settlement with No Bull Law
No Bull Law is a personal injury law firm committed to fighting for fair compensation for clients suffering injuries caused by car accidents, including loss of cervical lordosis.
We’ll be by your side for every step of your personal injury claim process, from gathering evidence and filing paperwork to negotiating with insurance companies for a higher settlement.
Here’s how our process works:
- Contact us for a free case consultation.
- We’ll look into your case and prepare a game plan.
- If we take your case, our experienced attorneys will advocate vigorously on your behalf.
Plus, we work on a “no fees ‘less we win” contingency model, meaning you don’t owe a cent if we can’t secure a bodily injury settlement or verdict in your favor.
5 FAQs About Back and Neck Injuries from Car Accidents
Many complexities can impact your claim when dealing with a neck injury settlement. Below, we’ll answer some of the most common questions about car accident settlements, helping you understand your rights and what to expect.
1. What Other Types of Neck and Back Injuries Can Result from Car Accidents?
When you sustain multiple injuries from a car accident, each one contributes to your discomfort and requires targeted treatment.
Here are some other neck and back injuries commonly caused by car accidents:
- Cervical Spondylolisthesis: A condition where a cervical vertebra slips forward, leading to instability and nerve compression
- Disc Injuries (Herniated or Bulging Discs): Displaced or damaged spinal discs, causing nerve pain and limited mobility
- Spinal Cord Injuries: Damage to the spinal cord that may result in paralysis or lifelong disability.
- Spinal Fractures: Broken vertebrae that may require surgery or immobilization
- Soft Tissue Back Injuries: Damage to muscles, tendons, and ligaments, leading to short-term or chronic discomfort
- Traumatic Scoliosis: A spinal curvature caused or worsened by trauma from a car crash
- Whiplash Injuries: Strained neck muscles and ligaments due to sudden force, leading to stiffness and pain
- Worsening of Pre-Existing Conditions: Acceleration of pre-existing spinal cord problems like spinal stenosis or degenerative disc disease (DDD)
If you’re dealing with additional injuries alongside loss of cervical lordosis, your neck injury settlement may be higher to account for the extra medical expenses and long-term impact.
2. What if Your Symptoms Worsen After Settling?
You can’t reopen a personal injury case once it has settled. That’s why it’s crucial that your settlement amount accounts for any possible future medical expense or complication that may arise.
That’s why it’s so important to let your medical provider know about ALL symptoms you experience, and follow through with medical treatment.
3. How Long Do Neck Injury Settlements Take?
Motor vehicle accident cases can take a few months or even years to settle, depending on case specifics.
With injuries that require long-term treatment (e.g., physical therapy), many lawyers will advise you to wait until you reach Maximum Medical Improvement (MMI) before settling. While this helps to ensure that you make an accurate claim, it can also delay your payout.
That being said, you only have two years from the accident date to file a lawsuit. Some insurance companies intentionally stall negotiations, hoping you’ll miss the deadline and have to accept a lower settlement. This is why having a lawyer is crucial, as they’ll ensure negotiations stay on track and that you aren’t pressured into accepting less than deserved.
4. How Do You Cover Medical Costs if Your Settlement is Delayed?
While you’re waiting for your settlement, you don’t necessarily have to cover medical expenses out of pocket. Your personal injury attorney can help you explore options.
5. Can You Sue for Loss of Cervical Lordosis Even If You Had a Pre-Existing Condition?
Yes. However, proving that the car accident worsened your condition adds complexity. And the standards for evidence are higher in court than in a normal settlement hearing.
Your personal injury attorney can help you build a strong case that stands up in court to secure justice and compensation.
Get the Compensation You Deserve Without the Hassle
Recovering from loss of cervical lordosis after a car accident can be physically, emotionally, and financially challenging.
Fortunately, getting a fair settlement to cover your damages doesn’t need to be stressful. With a skilled personal injury attorney working the case, you can have the time and peace of mind to focus on healing.
At No Bull Law, we cut through the red tape, fight for maximum payouts, and never charge upfront fees. No fees unless we win—just real results.
Contact us today for a free case evaluation to start your road to financial recovery.
