Soft Tissue Injury Settlement Amounts: Sprains, Strains, and Whiplash Compensation 2025

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.