{"success":true,"data":{"injury":{"name":"Whiplash (Cervical Strain)","slug":"whiplash","bodyRegion":"Orthopedic/Musculoskeletal","crashRelevance":"GENERAL","description":"Whiplash is a neck injury caused by a sudden, forceful back-and-forth movement of the neck, most commonly from rear-end car crashes. Symptoms include neck pain, stiffness, headaches, and sometimes dizziness or memory problems. Most people recover within weeks to months."},"severity":"moderate","state":"CO","medicalCosts":{"low":5000,"high":15000,"byPhase":{},"source":"MedicalCosts.info — CMS Medicare PFS 2026 rates","note":"Commercial insurance rates are typically 1.5-2.5x Medicare"},"lostWages":{"recoveryWeeks":16,"weeklyWage":1200,"workImpactFactor":"60-85%","low":11520,"high":16320},"settlement":{"economicDamagesLow":16520,"economicDamagesHigh":31320,"multiplierLow":2,"multiplierHigh":3,"painAndSufferingLow":16520,"painAndSufferingHigh":62640,"totalEstimateLow":33040,"totalEstimateHigh":93960},"methodology":{"formula":"Total Settlement = (Medical Bills + Lost Wages) x Severity Multiplier","multiplierMethod":"Based on insurance industry standard multiplier method used by adjusters and attorneys","medicalCostBasis":"CMS Medicare Physician Fee Schedule 2026, adjusted to commercial rates (1.5-2.5x)","lostWageBasis":"US Bureau of Labor Statistics median weekly wage ($1200/week) x recovery period x work impact factor","sources":["CMS Medicare Physician Fee Schedule CY2026","Insurance Research Council 2025","US Bureau of Labor Statistics Q1 2026"]},"attorneyImpact":{"withoutAttorney":17600,"withAttorney":77600,"multiplier":4.4,"source":"Insurance Research Council 2025"},"disclaimer":"These are estimates only based on statistical averages and the multiplier method commonly used in the insurance industry. Every case is unique. Actual settlement values depend on liability, insurance coverage, jurisdiction, attorney representation, and many other factors. This is not legal advice. Consult a qualified attorney."}}