Whiplash settlements typically range from $3,000 to $20,000 for minor cases resolving within months with conservative treatment. Moderate whiplash requiring physical therapy, injections, or extended treatment often settles between $20,000 and $50,000. Severe cases involving chronic pain, disc injuries, or surgical intervention can exceed $100,000 depending on impact severity. Factors affecting value include imaging findings, treatment duration, provider credentials, and documented activity limitations. Insurance companies frequently challenge whiplash claims as exaggerated, making thorough medical documentation essential. Pre-existing neck conditions complicate valuations but don’t eliminate recovery for aggravations caused by accidents. Credible testimony about pain and limitations from treating physicians significantly influences settlement values beyond objective test findings.