Crash! Somebody hits you from behind. Your head jerks back and you get a whiplash.
You develop pain – strong pain – and hard-to-pin-down soft tissue injuries in your neck and back which bother you for a long time after. Among other things, you're entitled to be compensated for your “pain, suffering and loss of life enjoyment.” So you submit a claim to ICBC and the adjuster offers you $6,500 for your pain and suffering. She says, “It’s the most you'll get for this.”