The offending driver's insurance company will try to use the fact that the emergency room x-rays are negative and therefore justify a low or no settlement. What the insurance adjuster will not tell you is that an x-ray can be perfectly "normal" and the victim will have suffered a bulging or herniated disc in the spine. A quick settlement based on a strain or sprain should be avoided if the victim is still experiencing difficulty. A Magnetic Resonance Imaging (MRI) test may be the best diagnostic tool for evaluating injuries to the spine.
In reality, the victims of these accidents may experience a significant jolt or jerking motion that can cause significant neck and low back injuries. Just because the x-rays done at the emergency room are normal does not mean a significant injury has not occurred. X-rays can not identify injuries such as bulging or herniations to disc and other structures of the spine.
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