A California Guide to Minor-Impact Soft-Tissue (MIST) Cases

If an insurance adjuster told you:

“It was a minor tap — you couldn’t have been hurt.”
“There’s barely any damage to your car — it’s just soft tissue.”

…you’re not alone.

Insurance companies love to label these as MIST cases — “Minor Impact Soft Tissue” — and then treat them like they’re not real injuries.

This blog walks you through:

  • What a MIST case actually is

  • Why “low impact = low injury” is a myth

  • How insurance companies attack these claims

  • How soft-tissue injuries really work

  • What you can do to protect and prove your case in California

 

 

1. What Is a “Minor-Impact Soft-Tissue” (MIST) Case?

In simple terms, a MIST case is:

  • A crash with little visible vehicle damage

  • Often a rear-end or low-speed collision

  • No broken bones on X-ray

  • Pain that may start later or gets worse over days or weeks

  • Diagnosed as “whiplash,” “strain,” “sprain,” or other soft-tissue injury

Insurance companies use the MIST label as code for:

“We’re going to lowball this and fight you every step of the way.”

 

 

2. Why Insurance Companies Hate These Cases (And Attack Them)

Over the last few decades, big insurance carriers built a three-part strategy to kill soft-tissue claims:

2.1. Public Messaging: “Fraud” and “Swoop and Squat”

They ran TV and radio campaigns about “staged accidents” and “swoop and squat” crashes, implying most rear-end claims are fake.

The result?
Jurors walk into court thinking:

  • “If the damage is small, the injury must be small.”

  • “People fake neck and back pain for easy money.”

2.2. Lowball & Litigate

For minor-impact cases, insurers often:

  • Offer very low settlements ($500–$2,500)

  • Refuse to negotiate much

  • Force cases into litigation if you don’t accept

Their goal is to make these cases so frustrating and unprofitable that people (and some lawyers) just give up.

2.3. Junk “Biomechanics” Defenses

They hire paid experts to say:

“This crash was like sitting down in a chair. No one could be injured from this.”

The problem? These experts:

  • Are not medical doctors

  • Often ignore real-world medicine and individual vulnerability

  • Are paid large sums to testify for insurance companies

 

 

3. The Myth: “Low Impact = Low Injury”

The Reality: That’s Not How the Body Works

Let’s be blunt:

Property damage does not equal injury severity.

Modern vehicles are designed to:

  • Absorb and hide impact

  • Keep bumpers and panels from crumpling easily

  • Transfer energy through the vehicle structure

That impact energy still has to go somewhere.
Often, it goes into your neck, back, and soft tissues.

Even at 5–10 mph, your body can experience sudden acceleration and deceleration that:

  • Stretches ligaments

  • Irritates facet joints

  • Compresses discs

  • Shocks muscles and nerves

 

4. What Are Soft-Tissue Injuries, Really?

“Soft tissue” just means the parts of your body that are not bone:

  • Muscles

  • Ligaments

  • Tendons

  • Nerves

  • Fascia and connective tissue

Common soft-tissue injuries in a car crash:

  • Whiplash (neck strain/sprain)

  • Low-back strain/sprain

  • Herniated or bulging discs

  • Shoulder injuries (rotator cuff, labrum)

  • Knee injuries (meniscus, MCL, ACL)

  • Nerve irritation or radiculopathy (pain down arms/legs)

Symptoms can include:

  • Stiffness in your neck or back

  • Headaches

  • Radiating pain into arms or legs

  • Numbness or tingling

  • Muscle spasms

  • Trouble sleeping

  • Difficulty sitting, standing, or working

And importantly:
These symptoms often get worse with time, not better.

 

 

5. Why Symptoms Are Often Delayed

Right after a collision, adrenaline and shock kick in.
You may feel “shaken up but okay.”

Hours or days later:

  • Inflammation builds

  • Muscles tighten

  • Nerves become irritated

  • You start to really feel it

Insurance companies love to argue:

“You didn’t go to the ER right away, so it must not be serious.”

But delayed pain is extremely common in soft-tissue and disc injuries.

 

 

6. How Insurance Tries to Destroy Your Soft-Tissue Case

Here are the standard tricks:

6.1. “Low Property Damage” Argument

They point at your bumper and say:

“Look at this — barely a scratch. No one could be injured.”

Response: modern bumpers are engineered to hide damage and protect the car, not your neck.

6.2. “Minor Impact” Language

They use terms like “tap,” “bump,” or “fender-bender” to trivialize your experience.

Response: the physics of sudden force on the human body matter more than adjectives.

6.3. Biomechanics Expert

They bring in someone to talk about:

  • G-forces

  • Delta-V

  • “Equivalent to falling into a chair”

Response: in California, a biomechanics expert cannot diagnose or rule out injuries. Only a treating or examining doctor can do that.

6.4. Attacking Your History

They dig for:

  • Prior injuries

  • Prior claims

  • Prior chiropractic care

Then they say it’s all “pre-existing.”

Response: under the “eggshell plaintiff” rule, they take you as they find you. If they made things worse, they’re responsible.

 

 

7. What You (the Injured Person) Can Do to Protect Your Case

You don’t need to know all the law. But you can take smart steps now.

7.1. Get Medical Care — and Follow Through

  • See a doctor, urgent care, or ER as soon as you can

  • Tell them everything that hurts

  • Follow the treatment plan

  • Don’t skip appointments

Gaps in care = fuel for adjusters.

7.2. Ask About Imaging Beyond X-Rays

X-rays show bones only.
Soft-tissue injuries often require:

  • MRI

  • CT (in some cases)

  • Or specialist evaluation

7.3. Document Your Daily Limitations

Consider (after talking with your lawyer):

  • Keeping a pain journal

  • Tracking missed work days

  • Listing activities you can’t do anymore

This helps show the real-life impact, not just what’s in the scans.

7.4. Be Careful With the Insurance Adjuster

They may sound friendly. Their job is not to help you — it’s to save money for the company.

Don’t:

  • Give detailed recorded statements about your pain

  • Guess about speeds, forces, or medical issues

  • Sign blanket medical releases without legal advice

You can always say:

“I’d like to speak with an attorney before I answer that.”

 

 

8. How a Good Lawyer Handles a MIST Case

From the attorney side, “minor impact” does not mean “minor effort.” These are actually some of the most technical cases to win.

Here’s how we typically approach them at Rulsky Law Group:

8.1. Early Investigation

  • Get photos of all vehicles, not just yours

  • Contact the body shop and request tear-down photos

  • Look for hidden damage to brackets, absorbers, frame, etc.

8.2. Medical Storytelling

We work with your treating doctors to:

  • Explain soft-tissue and disc injuries in simple English

  • Tie your symptoms to the collision

  • Address any pre-existing conditions honestly and clearly

8.3. Pretrial Motions (Motions in Limine)

We may ask the judge to:

  • Limit “no damage = no injury” argument

  • Stop biomechanics experts from testifying about medical causation

  • Exclude misleading property damage evidence if it’s more prejudicial than helpful

8.4. Jury Selection (Voir Dire)

We talk to jurors about:

  • Times they had pain days after an accident or fall

  • Whether they believe someone can be injured without a dramatic crash

  • Whether they can keep an open mind

8.5. Honest, Straightforward Presentation

We don’t pretend a small impact was a catastrophic wreck.
We say something like:

“This wasn’t a high-speed freeway rollover.
Thankfully, the cars weren’t totaled.
But this case is about how the impact affected a real human body, not just metal and plastic.”

That credibility is everything.

 

 

9. What Are These Cases Typically Worth?

Every case is different, but to give a rough idea:

  • Simple soft-tissue with quick recovery:
    Often $10,000–$25,000

  • Soft-tissue with months of treatment and ongoing pain:
    Often $25,000–$75,000

  • Soft-tissue with disc injury, injections, or long-term problems:
    Sometimes $75,000–$200,000+

Insurance adjusters may start at $1,000–$5,000 and tell you that’s “all these cases are worth.”

They’re not the final word.

 

 

10. When You Should Definitely Talk to a Lawyer

You should strongly consider getting a lawyer if:

  • You’re still in pain weeks after the crash

  • You’ve had (or may need) an MRI, injections, or surgery

  • The insurance company says your case is “minor” or “MIST”

  • They’re blaming your injuries on age, prior issues, or low damage

  • You’re feeling pressured to settle quickly

Trying to handle a MIST case alone is like trying to treat a torn ligament with a YouTube video — it’s not a fair fight.

 

 

11. Final Takeaway: Soft-Tissue Injuries Are Real Cases

Soft-tissue cases are some of the hardest fought and most unfairly minimized claims in the system.

Insurance companies will:

  • Call your crash “minor”

  • Call your pain “subjective”

  • Call your injury “just soft tissue”

But you live in your body — they don’t.

If you’re hurting after a “minor” crash, your case is real. You deserve to be taken seriously.

 

 

Talk to a California Soft-Tissue & MIST Case Lawyer

At Rulsky Law Group — Jerry Gets Justice, we handle:

  • Low-impact rear-end and side-impact crashes

  • “Soft-tissue only” cases

  • Whiplash and disc injuries

  • Insurance companies who say “your case isn’t worth much”

You get:

  • Same-day consultation with an attorney (not just an intake person)

  • Honest case evaluation — including when settlement expectations need to be adjusted

  • No fee unless we win

📱 Call 888-670-5530
 💬 Free case review — serving all of California
🌐 Rulsky Law Group — When insurance says “minor,” we prove what really happened.