Visitor Question

What to Demand for an Accident?

Submitted By: Emily (Peachland, NC)

I was in a head on accident on my way home from work one morning. A lady crossed the center line and hit my car head on, totaling my car and injuring my right shoulder. I had several weeks of treatment at a Chiropractor. Now it’s time to settle.

How much money should I ask for?

Disclaimer: Our response is not formal legal advice and does not create an attorney-client relationship. It is generic legal information based on the very limited information provided. Do not rely upon the information in our response, or anywhere else on this site, when deciding the proper course of a legal matter. Always get a personalized case review from a local attorney.


Dear Emily,

Unlike treatment from medical doctors, insurance companies are reticent to award much more in compensation than the actual cost of the chiropractor and any reasonable out of pocket expenses.

However it’s a good rule of thumb to demand from the insurance company an amount 3x your chiropractic bills. If your total chiropractic bills were, let say, $500.00 you should demand $1,500.00 PLUS the following:

1. Any lost wages

2. Any out of pocket expenses, such as heat packs and the approximate cost of gasoline used to go to and from your treatments. It also includes any parking fees or other out-of-pocket expenses you suffered as a result of the collision.

So if your chiropractic bills were $500.00 and your out of pocket expenses and loss of wages equaled $700.00 your demand should be $2,200.00.

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from a licensed attorney. Find a local attorney to give you a free case review here , or call (888) 647-2490.

Best of luck,

Published: March 15, 2011

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