I don't have any personally, but one of my close friends was involved in a multi-car pile up because some hick slammed into 3 cars at around 60-70km/hr. He did suffer some pain/injuries, and claimed thousands through insurance. I believe he had to go get evaluated by a physical therapist, maybe even a doctor, and then prove that his situation prevented him - say - working a laborious job, etc, etc. And then you get compensated for the amount of money you may potentially miss out on making due to the injury(ies).
I'd just consult one of those accident-claims injury lawyers.
'02 ///M5 Imola Red / Imola Red '09 335i Alpine White / Coral Red