Auto Insurance Claims: Small Insurance Claim, neck and shoulder pain, stiff neck

Question
I was a passenger of an accident in CA in late July.  My boyfriend and I had just left for vacation when a car turned in front of us causing a collision.  As we had friends also vacationing with us, we were able to ride with them (my boyfriend's car was totaled.)  I had some neck and shoulder pain for about a day or two as well as a large bruise on my leg (I did not see a doctor.)  I'm not sure how to approach settling this claim with the insurance company.  Do I ask for money for these somewhat minor injuries even though I didn't see a doctor?  What should I expect as far as the impact it had on my vacation? (i.e. being worried/stressed about it, waking up with a stiff neck . . . all while I'm trying to have a nice vacation.)  I know it's probably not a lot (if anything), but I have no idea what to ask for! :) Thanks.

Answer
HI B,

Since there is no doctor visit, there is no proof of an injury. You should explain to the m the pain and discomfort you experienced as well as the loss of enkoyment of your vacation. You should ask for $1000.00 to $1500.00 and then be willing to negotiate. It's hard to place a specific value since there is no proof of an injury.

I hope this helps
Richard Hixenbaugh