Because every case is different, it is difficult to place an exact dollar amount on the average car accident settlement for neck and back injuries. Here are the key variables that help determine how much compensation an injured party receives.nLocationnSome states have a cap on how much the injured party can recover for non-economic damages like physical pain and emotional distress resulting from neck or back pain and disability. Also, every state has their own criteria for what constitutes pain and suffering. A lawyer will explain the laws in your state and how that impact your case.