Question from a reader:
I was rear-ended and suffered whiplash, and I’ve been visiting a chiropractic clinic and an orthopedic clinic without being hospitalized. It’s been five months since I started treatment, but I haven’t received any communication from the other party’s insurance company about stopping coverage. I think there should be more communication, but why haven’t I heard from them?
If I can continue treatment for six months, how much compensation can I expect to receive?

Rear-End Collision, Whiplash, and Insurance Company Response

Hello! Today, I want to talk about a somewhat serious topic: traffic accidents. Specifically, I will discuss your situation regarding whiplash from being rear-ended. This issue is very important for those who have actually been in an accident, so I take it seriously as well.

What is Whiplash?

First, let’s review what whiplash is. It is an injury that occurs when the neck is suddenly jerked back and forth, often due to a traffic accident. This can damage the neck’s muscles, ligaments, and nerves, leading to symptoms such as pain, numbness, headaches, and even dizziness. You are currently facing that pain as you go about your life.

Reasons for Lack of Communication from the Insurance Company

Now, regarding your concern about the lack of communication from the other party’s insurance company, there are several possible reasons. 1. Monitoring Progress: Since your treatment has been ongoing for five months, the insurance company may recognize the necessity of your visits. Generally, whiplash symptoms can persist for a long time, and they might be in a stage of monitoring your progress. 2. Organizing Information: The insurance company may be waiting for reports from medical institutions to confirm the details of the accident and the victim’s condition. This can take time, which might explain the delay in communication. 3. Internal Procedures: There may be ongoing procedures within the insurance company, such as changes in the representative handling your case. It’s not uncommon for communication to be delayed due to such circumstances.

Continuing Treatment and Compensation

Now, regarding the compensation you might receive if you continue treatment for six months, this will largely depend on the severity of your symptoms, the reality of your treatment, and the nature of the care you receive. Generally, compensation for whiplash from a traffic accident is calculated based on the severity of the symptoms, the number of treatment days, and the treatment content. For example, if you have a mild case of whiplash, compensation is typically estimated to be around 100,000 to 300,000 yen. However, if your symptoms are severe and require long-term treatment, it could exceed 1,000,000 yen. If you have been in treatment for more than six months, it is likely that a corresponding amount will be paid.

Real-Life Experience

Let me share a story about an acquaintance of mine. He was also involved in a traffic accident and suffered from whiplash. Although he continued his treatment, he felt anxious due to the slow communication from the insurance company. However, after being told by his doctor that he needed to continue treatment a bit longer, he prioritized his recovery. As a result, he made a full recovery and received adequate compensation. What we should focus on is that following the doctor’s instructions and continuing treatment is the top priority. The amount of compensation will come later, so I hope you will act with your health as the foremost concern.

Communication with the Insurance Company

Communicating with the insurance company can be a bit stressful, but it’s important to respond calmly. If you have any questions or concerns, don’t hesitate to reach out to the insurance company. Additionally, regularly organizing your treatment records can be helpful for future negotiations.

In Conclusion

Treatment for whiplash often takes time, and it’s understandable to feel anxious, but it is crucial to continue your treatment with peace of mind. You might feel worried about the delay in communication from the other party’s insurance company, but try to remain calm and monitor the situation while reaching out if necessary. Your health is the top priority, so take your time and focus on gradual recovery. I’m here to support you. If you need anything, feel free to consult with me anytime!