Source documents
- Page 1: Typed emergency department record on Riverbend Regional Medical Center letterhead: a triage vitals block, a chief complaint line describing neck and low back pain after a rear-end collision on I-40 eastbound, a clinical impression section listing cervical strain S16.1XXA and lumbar strain S39.012A, and a discharge section with cyclobenzaprine and ibuprofen prescriptions plus an off-work note through September 15.
- Page 2: Typed new-patient orthopedic consultation on Lakewood Orthopedic Group letterhead signed by Elaine Marchetti, MD: a history of present illness paragraph referencing the September 12 collision, a physical exam section noting cervical paraspinal tenderness left greater than right and restricted range of motion in degrees, and a plan section ordering physical therapy twice weekly for six weeks with a 20 pound lifting restriction and MRI if symptoms persist.
- Page 3: Radiology report on Summit Diagnostic Imaging letterhead for a cervical spine MRI without contrast, CPT 72141, dated November 6, 2025: exam and technique paragraphs, level-by-level findings including a 3 mm posterior central disc protrusion at C5-C6 mildly effacing the ventral thecal sac with mild disc desiccation, and a numbered impression noting straightening of the cervical lordosis.
- Page 4: Physical therapy discharge summary on Meridian Physical Therapy Associates letterhead signed by Sarah Lindqvist, DPT: total visit count of 18, Neck Disability Index scores improving from 34 percent to 8 percent, a treatment note documenting the patient's out-of-state holiday travel from December 19 to January 4, and discharge to an independent home exercise program with residual intermittent stiffness.
- Page 5: Itemized billing ledger compiled across four providers: line items with dates, CPT codes, and charges for the level 4 emergency visit, cervical and lumbar X-rays, ED physician fee, four orthopedic visits, one cervical MRI, and 18 physical therapy visits at 165 dollars each, ending in a bolded line reading TOTAL MEDICAL SPECIALS $9,471.00.
Analysis, step by step
1. Locate date of loss and mechanism
Date of loss 2025-09-12. Mechanism: rear-end collision on I-40 eastbound at approximately 35 mph. Restrained driver, no loss of consciousness, airbags did not deploy.
Cited from page 1: “CC: Neck pain and low back pain s/p rear-end MVC today on I-40 EB. Pt was restrained driver, struck from behind at approx 35 mph. No LOC. Airbags did not deploy.”
2. Extract emergency department diagnoses
Two ICD-10 coded diagnoses at the ED visit: cervical strain (S16.1XXA) and lumbar strain (S39.012A). Cervical and lumbar X-rays read as no acute fracture.
Cited from page 1: “Clinical Impression: 1. Strain of muscle, fascia and tendon at neck level, initial encounter (S16.1XXA). 2. Strain of muscle, fascia and tendon of lower back, initial encounter (S39.012A). XR C-spine and L-spine: no acute fracture or malalignment.”
3. Capture discharge medications and work status
Discharge prescriptions: cyclobenzaprine 5 mg PO TID for 7 days and ibuprofen 600 mg PO q6h as needed. Work note: off work 09/12 through 09/15, return 09/16. This is the only lost-time documentation in the file.
Cited from page 1: “Rx: Cyclobenzaprine 5 mg PO TID x 7 days. Ibuprofen 600 mg PO q6h PRN pain. Work status: off work 09/12/2025 through 09/15/2025, may return 09/16/2025. F/u with orthopedics within 1 week if not improving.”
4. Extract orthopedic exam findings
Initial orthopedic consult 2025-09-19 with Elaine Marchetti, MD, Lakewood Orthopedic Group. Objective exam: cervical paraspinal tenderness left greater than right, cervical flexion 40 degrees and extension 30 degrees with pain, Spurling's negative bilaterally, lumbar flexion limited to 60 degrees.
Cited from page 2: “Exam: Cervical paraspinal tenderness L > R. Cervical flexion 40 deg, extension 30 deg with pain at end range. Spurling's negative bilaterally. Lumbar flexion limited to 60 deg with paraspinal guarding. Strength 5/5 all extremities, DTRs 2+ and symmetric.”
5. Capture the treatment plan and restrictions
Plan from the 09/19 consult: physical therapy 2x weekly for 6 weeks, no lifting over 20 pounds for 4 weeks, re-evaluate in 6 weeks, cervical MRI if axial or radicular symptoms persist at re-evaluation.
Cited from page 2: “Plan: PT 2x weekly x 6 weeks. No lifting > 20 lb x 4 weeks. Home ice/heat, continue NSAIDs. Re-evaluate in 6 weeks; will order cervical MRI if axial or radicular symptoms persist.”
6. Extract the objective MRI finding
Cervical MRI without contrast (CPT 72141) on 2025-11-06 at Summit Diagnostic Imaging: 3 mm posterior central disc protrusion at C5-C6 mildly effacing the ventral thecal sac, no cord compression. The report also notes mild disc desiccation at the same level, which the defense can argue is degenerative.
Cited from page 3: “C5-C6: 3 mm posterior central disc protrusion mildly effacing the ventral thecal sac. No spinal cord compression or foraminal stenosis. Mild disc desiccation at this level. Straightening of the normal cervical lordosis, which may reflect muscle spasm.”
7. Extract physical therapy outcome measures
PT discharge 2026-02-04 after 18 visits at Meridian Physical Therapy Associates. Neck Disability Index improved from 34% to 8%. Residual complaint at discharge: intermittent cervical stiffness with prolonged desk work. Discharged independent with home exercise program.
Cited from page 4: “Discharged after 18 visits. NDI improved from 34% (initial eval 09/24/2025) to 8% at discharge. Pt reports intermittent cervical stiffness with prolonged desk work. Independent with HEP; no further skilled PT indicated.”
8. Reconcile the billing ledger
Charges reconcile across all four providers: Riverbend ED $3,486 (99284 $1,912 + XR 72040 $438 + XR 72100 $486 + physician fee $650), Lakewood Orthopedic $1,140 (99204 $420 + 3 x 99213 at $240), Summit MRI 72141 $1,875, Meridian PT $2,970 (18 visits x $165). Total medical specials $9,471.00, and the line items sum to the stated total.
Cited from page 5: “TOTAL MEDICAL SPECIALS: $9,471.00”
9. Assemble the treatment timeline
11 events over 22 weeks, from the collision on 2025-09-12 to the final orthopedic release on 2026-02-11. Every event is sourced from a page in the file.
- 2025-09-12 · Rear-end collision on I-40 eastbound, date of loss (Incident)
- 2025-09-12 · Emergency department evaluation, cervical and lumbar X-rays, work note through 09/15 (Riverbend Regional Medical Center)
- 2025-09-19 · Initial orthopedic consultation, PT ordered, 20 lb lifting restriction (Lakewood Orthopedic Group)
- 2025-09-24 · Physical therapy initial evaluation, NDI 34% (Meridian Physical Therapy Associates)
- 2025-10-31 · Orthopedic re-evaluation, persistent axial neck pain, cervical MRI ordered (Lakewood Orthopedic Group)
- 2025-11-06 · Cervical spine MRI without contrast, C5-C6 disc protrusion (Summit Diagnostic Imaging)
- 2025-11-13 · Orthopedic follow-up, MRI reviewed, continue conservative care (Lakewood Orthopedic Group)
- 2025-12-18 · PT visit 13, last visit before holiday travel (Meridian Physical Therapy Associates)
- 2026-01-06 · PT resumed after 19-day break, symptom plateau reported (Meridian Physical Therapy Associates)
- 2026-02-04 · PT discharge at visit 18, NDI 8%, independent home program (Meridian Physical Therapy Associates)
- 2026-02-11 · Final orthopedic visit, released at maximum medical improvement (Lakewood Orthopedic Group)
10. Flag the December treatment gap
One gap in care: 19 days between PT visits, 2025-12-18 to 2026-01-06. The PT record attributes it to documented out-of-state holiday travel. Flagged because adjusters read unexplained gaps as recovery or noncompliance; this one is explained in the record itself.
Cited from page 4: “Pt resumed 01/06/2026 after holiday travel out of state 12/19 through 01/04. Reports symptom plateau during break; no new injury or exacerbating event.”
- 19-day gap (2025-12-18 to 2026-01-06): Defense will read a December gap as resolution of symptoms. The PT note documents holiday travel and a symptom plateau with no new injury, so the demand should cite that note preemptively rather than leave the gap unexplained.
11. Estimate the settlement range
Estimated range $24,000 to $42,000 against $9,471.00 in medical specials. The objective C5-C6 protrusion supports the upper half of the range; the full conservative-care recovery to NDI 8%, the desiccation note, and the December break cap it. Assumptions listed verbatim below.
Estimated range: $24,000 to $42,000
Assumptions:
- Assumes undisputed rear-end liability; no comparative negligence is indicated anywhere in the file.
- The MRI notes mild disc desiccation at C5-C6, so the defense may argue the protrusion is degenerative rather than traumatic; this range does not assume that argument is won.
- Assumes the 19-day December treatment break is accepted as explained by the documented holiday travel and is not treated as a failure to mitigate.
- No surgical recommendation and no injections appear in the file; the range reflects conservative-care outcomes only.
- The only off-work documentation is the ER note covering 09/12 through 09/15, which spans a weekend (two business days at most); no wage records were located, so wage loss is not priced into the range.
12. Draft the demand sections
Three sections drafted from the extracted record, with every factual claim traceable to a cited page. Excerpts below.
Liability
On September 12, 2025, Mr. Ashwell was driving eastbound on Interstate 40 when your insured struck his vehicle from behind at approximately 35 miles per hour. The mechanism documented at Riverbend Regional Medical Center on the date of loss is consistent across every subsequent treating record, and nothing in the file suggests comparative fault.
Injuries and Treatment
Mr. Ashwell was diagnosed in the emergency department with cervical strain (S16.1XXA) and lumbar strain (S39.012A). When axial neck pain persisted through six weeks of orthopedic-directed physical therapy, cervical MRI on November 6, 2025 demonstrated a 3 mm posterior central disc protrusion at C5-C6 effacing the ventral thecal sac: an objective structural finding, not a soft-tissue complaint. He completed 18 documented therapy visits before discharge on February 4, 2026.
Damages
Medical specials total $9,471.00 across four providers, itemized in the enclosed ledger. Mr. Ashwell was placed off work from September 12 through September 15 per the emergency department work-status note. At physical therapy discharge his Neck Disability Index had improved from 34 percent to 8 percent, but he continues to report intermittent cervical stiffness with prolonged desk work, a residual his treating therapist recorded rather than one asserted for this demand.
This replay depicts a fully synthetic case created from scratch for demonstration. The patient, providers, records, and every detail on every page are invented. No real patient data was used at any stage, and no records were de-identified or adapted from real cases. Nothing here is legal advice or a promise of case value.
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