Visitor Question

How much for a head on collision?

Submitted By: James (New Brighton, MN, USA)

I was driving on a highway going under the speed limit when a car crossed the center lane and hit me head on. The driver fell asleep. I still have neck pain after many treatments. Now I don’t know if it will ever go away.

What do you think I should do? What is a fair amount to ask for settlement? Thanks for any info you can give.

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 James,

The first thing you should do is take care of your health, that should always come first. There will be plenty of time for legal matters.

Hopefully you were somehow able to acquire the at-fault driver’s insurance information. You should contact the insurance company and reference the collision. Once filed you will soon be contacted by the insurance company’s representative. They are commonly known as Claims Adjusters.

It’s highly probable sometime soon after the collision the at-fault driver contacted her insurance company to report the collision. When she did the Claims Adjuster began an investigation.

Presuming the Claims Adjuster has decided to accept liability on behalf of her insured she will advise you to submit your medical bills to her. Normally they will be paid as they come in. In the case of a head on collision we can only presume you will require therapy. As a result we advise you not to settle your case merely by allowing the insurance company to pay your medical bills.

If you allow the Claims Adjuster to pay only your medical bills and no more you may forfeit your rights to collect additional monies for your therapy into the future.

We advise you not to sign a Release if one is presented to you by the Claims Adjuster; at least until you have considered your legal options.

Most Personal Injury Attorneys will be happy to sit with you in their office for a free initial consultation. Doing so might allay any anxiety you might have about the matter.

Learn more here: Asleep While Driving Accidents

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 888-972-0892.

We wish you the best with your claim,


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