Soft tissue injuries (sprains, strains, contusions, whiplash) are the most common personal injury claims—and the most disputed. Insurance companies love to minimize these "invisible" injuries.
Average Soft Tissue Settlement Amounts
- Minor (full recovery in 6 weeks): $2,500-$10,000
- Moderate (3-6 months recovery): $10,000-$25,000
- Severe (permanent or near-permanent): $25,000-$100,000+
Why Soft Tissue Claims Are Undervalued
Insurance companies argue:
- "Injuries don't show on X-rays"
- "Pain is subjective"
- "Symptoms could be faked"
- "These injuries heal quickly"
Proving Soft Tissue Injuries
1. MRI Evidence
MRI can show muscle tears, ligament damage, and edema (swelling).
2. Consistent Treatment
Gaps in treatment = insurance argues you weren't really hurt.
3. Physical Therapy Records
Document progress, limitations, ongoing pain.
4. Work Restrictions
Doctor-imposed work limitations prove impact.
Factors That Increase Soft Tissue Settlements
- Objective medical findings: MRI showing tears
- Long treatment duration: 6+ months of therapy
- Injections or procedures: Epidurals, nerve blocks
- Permanent impairment rating: Even 5% increases value
- Impact on work: Job loss or restrictions
Common Soft Tissue Injuries
Whiplash
Average settlement: $10,000-$40,000 depending on severity.
Shoulder Strain
Average: $15,000-$50,000, higher if rotator cuff involvement.
Lower Back Strain
Average: $10,000-$30,000, much higher if disc involvement.
Calculate Your Soft Tissue Settlement
Use our settlement calculator to estimate your claim value. Select "Minor" for straightforward soft tissue injuries.
SettlementCalcUSA Editorial Team
Our editorial team consists of researchers and writers with backgrounds in legal research, personal injury law, and insurance claims. We compile information from publicly available legal resources, court records, and official state statutes to provide accurate, educational content.
Note: Our content is for educational purposes only and does not constitute legal advice. Always consult with a licensed attorney for advice specific to your situation.