A. Documented studies done by Dr. Charles Carol, MD, Dr. Paul McAtee, MD
and Dr.Lee Riley MD revealed that:
"The amount of damage to the automobile bears little relation to the force applied to the cervical spine (neck) of the occupants."
According to Dr. Arthor C.Croft of the Spine Research Institute of San Diego California, "Based on all of the research compiled it should be clear that one cannot reliably calculate (g) forces sustained by an occupant of a vehicle, nor can one predict the likelihood of, or severity of, human injuries from the extent of vehicle damage."
In other words, the injury to a passenger is not directly related to the damage to the vehicle. But if you aren't experiencing any of the before mentioned symptoms then you may be O.K. and very lucky!
But it is probably wise to wait at minimum of three symptom-free months after the incident before you settle your case. If by that time you are feeling fine then proceed from there.