"My back was killing me for over 3 months. Why isn't my case worth more?"
I had a client recently ask this. For simplicity's sake, I'll call him Bob. Bob was rear ended last year and was rushed to the hospital immediately after a car accident.
The seat he was in snapped back and Bob thought that he had been knocked out. His neck and back were both hurting quite a bit. The emergency room ran up a pretty good bill because they did a CT scan (Bob thought he had a concussion and was dazed; "So, they scanned my cat.").
Bob checked out of the ER with soft tissue injuries, some prescriptions for a muscle relaxer, and some pain medicine. He was also instructed to go to a follow up doctor if he was still having neck and back pain.
After missing work for a few days, Bob decided he could "tough it out," and went back to work. This is great, but his neck and back still gave him trouble. He was in a lot of pain at work and around the house. Two months later, Bob's back is still bothering him. He's tough though, so he doesn't bother to go to a doctor.
Bob called me about six months after the accident. His neck and back had finally healed and he was curious as to why the insurance company hadn't called him and offered to settle his personal injury claim.
The case has since settled for a reasonable amount. At the time though, Bob was a little frustrated because he wasn't able to get compensated for any pain and suffering for the 3 months that his back was bothering.
So, moral of the story: Go to a doctor if you are hurt. An insurance company, understandably looks at personal injury victim's medical records for proof of an injury.