Two days after the crash, a rear-end accident victim is standing in her kitchen trying to look over her shoulder, and realizing she can’t. Instead, there’s a pulling, aching resistance that wasn’t there before. She thinks back to the accident. Another driver rear-ended her in Fargo, but the impact wasn’t dramatic. She told the responding officer she was fine.
She was telling the truth. She just didn’t know yet what her body was going through.
Rear-end injuries often work on a delay. Soft tissue damage, spinal compression, nerve irritation. None of it shows up the way a broken bone does. By the time you know how hurt you are, the insurance company has already started building a case that your injuries were only minor.
At Lowe Law Group, we understand that rear-end injuries can be catastrophic at first glance, or they can wait to show up later. Either way, the costs can add up fast. We don’t let the insurance company deny the seriousness of your injuries and the damages you have experienced. We handle the legal fight for rear-end accident victims in Fargo and beyond.
Rear-end accidents can cause a range of injuries. Some are more immediately noticeable than others.
The damage from these collisions is a simple physical reality. When your vehicle is struck from behind, your seat absorbs the force, and your torso is pushed forward. However, your head doesn’t move right away. For a split second, it stays behind while the rest of you moves forward. Then, when momentum transfers, your neck and head snap forward violently.
According to research into the physics of rear-end collisions, “Crash tests indicate that a change of vehicle velocity of 4 km/hr (2.5 mph) may produce occupant symptoms. Vehicle damage may not occur until 14-15 km/hr (8.7 mph).” In other words, the human body can be injured even if the rear-ending car is driving as slowly as 2.5 miles per hour! Injuries are especially common if the rear-end crash occurs at 10-25 miles per hour.
This kind of injury damages your cervical spine, the muscles of your upper back and neck, and the soft tissues that hold your body together.
Adrenaline can mask your pain in the immediate aftermath of the accident. After a crash, you may be experiencing a real adrenaline rush, with a racing heart, narrowed focus, and an overwhelmed nervous system. It’s not unusual for symptoms to surface 24-72 hours after the accident.
Insurance adjusters, however, like to take advantage of this gap between the accident and the onset of symptoms. They will say that if you were really injured, you would have felt it right away.
As personal injury attorneys in Fargo, ND, we know these strategies and how to challenge them.
A rear-end collision can happen on any road, but Fargo has traffic patterns that make certain areas consistently higher risk.
The stretch of 13th Avenue South near 45th Street is one of the most heavily traveled commercial corridors in the state. Drivers navigate frequent lane changes, left turns across multiple lanes, and stop-and-go conditions created by the dense concentration of retail businesses. When someone brakes unexpectedly for a turning vehicle or a pedestrian crossing between storefronts, the car behind them doesn’t always have time to react.
Downtown Fargo adds pedestrian complexity to the mix. A driver who stops suddenly for someone crossing Broadway or NP Avenue can easily become the front end of a rear-end chain if the car behind them isn’t paying attention.
I-29 and I-94 introduce a different category of risk entirely. Merging traffic, sudden slowdowns near interchanges, and the transition from highway speeds to city streets near exits all create conditions where rear-end crashes happen at higher speeds and with more serious consequences.
Winter, of course, compounds every one of these risks. Black ice can form quickly on overpasses and shaded sections of road, and stopping distances on snowy pavement are far longer than most drivers account for. A car that brakes normally in October needs significantly more runway to stop safely in January. When drivers don’t adjust, the car in front pays the price.
Lowe Law Group serves as a rear-end accident claim lawyer in North Dakota. We are familiar with the injuries that are especially common after rear-end crashes.
The injuries you suffer will depend on the severity of the accident. Some high-speed, rear-end crashes will lead to broken bones, lacerations, spinal cord damage, and head wounds. Slower-speed accidents can still wreak havoc on your back, neck, and soft tissues.
Whiplash is especially common after a rear-end collision. Even though the insurance company may try to downplay this injury, it can be life-changing. Whiplash is an injury to the soft tissue of your neck and cervical spine. It occurs when you experience rapid hyperextension and flexion of your neck and back.
Whiplash leads to torn muscles, ligament damage, nerve compression, pain, numbness, and a limited range of motion that can last for months. In the most serious of cases, the effects can be permanent.
Rear-end crashes also cause:
Although emergency departments in Fargo, Cass County, and beyond do an excellent job of treating (or ruling out) life-threatening conditions after an accident, they don’t evaluate your injuries with your long-term recovery in mind.
To understand how your injuries may impact you over time, it is essential to speak with a medical provider who understands the long-term impact of a rear-end collision and what those injuries mean for your case.
Dr. Andrew Georgi is the Lowe Law Group’s full-time medical director. He’s not some consultant we reach out to on an occasional case; instead, he is here to consult on every case.
Dr. Georgi joined our team of whiplash injury lawyers in Fargo in 2021, after more than ten years of anesthesiology practice. In his anesthesiology career, he assisted in over 10,000 surgeries.
Having an on-staff attorney differentiates Lowe Law Group from other rear-end crash law firms in Fargo. Dr. Georgi understands injury at a clinical level. He understands how important medical documentation is to your case.
In rear-end cases, Dr. Georgi:
A Fargo car accident lawyer can be your most important advocate and ally in the days, weeks, and months after the crash.
At Lowe Law Group, we understand the strategies that insurance companies try to use to downplay your injuries. Although they may try to reduce the compensation you’re owed, we know how to protect your rights and get you the compensation you deserve.
The first strategy these companies use is the “minor impact” defense. After all, they say, if your car didn’t sustain visible damage, could your injuries really be that bad? This has been a go-to argument for years, denying and minimizing claims.
The forensic specialists at the Lowe Law Group can examine the biomechanical reality of your specific rash, countering the claim that a “minor impact” means “minor injuries.”
A second strategy is to downplay the significance of soft tissue injuries. They like to do this because soft tissue injuries don’t show up on MRIs and X-rays. However, soft tissue damage is real, regardless of whether or not it’s visible in certain screenings.
Dr. Georgi’s evaluation of your injuries can explain what imaging doesn’t capture.
Thirdly, insurance companies try to move fast. You may be contacted within a day or two of the crash, before you have had a chance to understand the full extent of the damage. Don’t succumb to the pressure of accepting a low settlement offer because it feels like a reasonable amount in those first few hours after the crash. You need to have time to understand how your body is going to be affected by this crash.
Don’t sign anything until you speak with a Fargo accident attorney!
You’ll want to avoid any rear-end or tailgating accident attorney in Fargo who gives you a number before listening to your personal story. That’s because the amount of compensation you are owed is based on the specific details of your crash and the suffering and losses you have experienced due to your injuries.
There are two main categories of compensation: Economic and Non-economic losses.
Economic damages are measurable with a specific dollar amount:
Non-economic damages, on the other hand, are the damages that don’t appear on a bill but still affect your life, such as:
Evidence in rear-end cases has a short shelf life. Traffic camera footage gets overwritten within days, witnesses move on and forget details, and the at-fault driver’s insurance company starts building their file immediately.
We move fast for exactly that reason. Our team secures available camera footage from nearby intersections and businesses, pursues cell phone records through legal channels when distracted driving is a factor, and works with forensic specialists to analyze vehicle damage when the other side tries to downplay how hard the impact actually was. Physical evidence tells a story that self-serving accounts from the at-fault driver cannot override. This urgency is even greater in a Fargo hit-and-run case, where identifying the driver who fled often depends entirely on how quickly that evidence is captured.
Witness accounts are part of that picture. Someone who watched the crash from a parking lot or the car next to yours may have seen exactly what happened, but they have no reason to stay available. We identify and document those accounts early, before memories get blurry and contact information goes cold.
Along with all of this, we have Dr. Georgi’s medical evaluation. One of the most common tactics insurers use in rear-end cases is pointing to gaps in treatment or delayed symptoms as proof that the injuries weren’t serious, or weren’t caused by the crash at all.
Working with Lowe Law Group is straightforward. Here’s what to expect:
First, tell us what happened. During your case evaluation, we listen to the details, answer your questions honestly, and give you a clear-eyed assessment of whether your case is worth pursuing. No pressure, no obligation.
Once you hire us, you stop dealing with insurance companies entirely. We take over all communication, lock down evidence before it disappears, coordinate Dr. Georgi’s medical evaluation, and build your claim from the ground up. Your job at that point is to focus on getting better.
From there, we fight for everything you’re owed. We negotiate hard, and if the insurer won’t come to the table with a fair number, we take the case to trial. You pay nothing unless we win. If you decide within the first 30 days that we’re not the right fit, you can walk away without owing us anything.
Liability in rear-end cases is usually straightforward, but that’s not where the fight ends. When an insurer can’t dispute who caused the crash, they redirect their energy toward minimizing what it’s worth. They’ll challenge your injuries, question your treatment decisions, and push back on every dollar you claim. Establishing fault is step one. Getting you what you’re actually owed is the harder part, and that’s where we focus.
Insurers will certainly try to use it against you. The minor impact defense is one of the most predictable tactics in rear-end cases, and it’s based on a flawed premise. Modern bumpers are designed to protect the vehicle, not the people inside it. Energy that doesn’t show up as visible damage gets absorbed by the occupants. We counter this argument with forensic analysis of the collision and medical documentation of your specific injuries, not generic claims about what rear-end crashes typically cause.
It’s a common situation in North Dakota, where minimum coverage limits can fall well short of what a serious injury claim is actually worth. When that happens, your own uninsured and underinsured motorist coverage becomes an important source of compensation. We identify every available policy and exhaust every option before we consider your case closed.
North Dakota follows a modified comparative fault rule. You can recover compensation as long as you’re found to be less than 50% responsible for the crash, though your award is reduced by your percentage of fault. Insurance companies raise fault arguments routinely because even shifting 20% of the blame onto you saves them money. We build the evidentiary record from the start to counter those arguments before they gain traction.
A lot of people do this before they realize they don’t have to. Recorded statements are used to lock you into descriptions of your injuries and the accident before you fully understand either. If you’ve already given one, don’t panic. We review what was said, assess how it might affect your claim, and build a strategy around it. Contact us before you speak with them again.
An admission at the scene doesn’t bind the insurance company to anything. Adjusters investigate independently, and what someone said on the side of the road carries less weight than you might expect. More importantly, fault and compensation are separate issues. Even when liability isn’t disputed, insurers will fight hard over injury severity, treatment costs, and long-term damages. Having legal representation ensures that admission actually translates into a fair recovery.
A lot of people drive home after a rear-end crash feeling okay, then spend the next several weeks dealing with pain, missed work, and an insurance company that seems determined to make the process as difficult as possible.
You don’t have to handle that alone. Lowe Law Group steps in and takes the entire process off your plate. We handle the calls, the paperwork, the negotiations, and the legal strategy. You focus on getting better.
There’s no upfront cost and no obligation. If we don’t win your case, you don’t pay us anything. And if you decide within the first 30 days that we’re not the right fit, you can walk away free and clear.
Call us today for a free case evaluation. Tell us what happened. We’ll handle everything else.
Your priority now is to heal. Ours is to win your case. Here’s our 3-Step Approach:
Let us listen to your story. We’ll provide a free, no pressure case evaluation.
Our team handles everything: the legal process, gathering paperwork, reviewing your medical treatment, and more.
We win your case and maximize your compensation or we don’t get paid, guaranteed.
I was hit on my MOTORCYCLE by a PODS TRUCK in June, yep, you read that right, PODS TRUCK. I was fortunate to walk away, but knew I needed a lawyer for an accident of this magnitude. Now, let me start by saying I don’t trust lawyers, never have. But had to put my differences aside and trust this GROUP of LAWYERS from a different state…
I was hit on my MOTORCYCLE by a PODS TRUCK in June, yep, you read that right, PODS TRUCK. I was fortunate to walk away, but knew I needed a lawyer for an accident of this magnitude. Now, let me start by saying I don’t trust lawyers, never have. But had to put my differences aside and trust this GROUP of LAWYERS from a different state to handle my affairs. RIGHT AWAY, from the beginning, MARISSA REED, WAS A ROCKSTAR!!! Made me feel at ease and answered all of my ridiculous questions like a VETERAN. Now, this has taken almost 9 months to complete, and it was well worth the wait. Marissa Reed took my settlement to a PLACE WHERE ONLY EAGLES SOAR BABY!! I GOT WAAAAY MORE than expected all thanks to the LOWE LAW GROUP AND FIERY MARISSA REED. Thank you Marissa, for ALL YOU DID FOR ME, AND ALL MY STUPID QUESTIONS. I’m alive, have a HEFTY settlement to spend and am more than thankful for these LAWYERS!! MY ATTITUDE HAS CHANGED FOR THE BETTER ON THEM! HELL YA!!
-Christian W.
Washington
I was hit by a trailer that crossed the median while I was driving on the highway which not only destroyed my car, but I have had to deal with a concussion, neck and back pain along with other PTSD issues. Life happens, some events alter your life, and it can be difficult to adjust. Lowe Law Group is the absolute best. If you want someone who’s gonna be in your c…
I was hit by a trailer that crossed the median while I was driving on the highway which not only destroyed my car, but I have had to deal with a concussion, neck and back pain along with other PTSD issues. Life happens, some events alter your life, and it can be difficult to adjust. Lowe Law Group is the absolute best. If you want someone who’s gonna be in your corner and help you out big time. I HIGHLY recommend them. They made it so much easier, and they don’t care just about money. They want you to be able to get the help you need to recover. Specifically, James Brandenburg has been so helpful and relatable. Where other companies have made me feel just like a number, he has made me feel like a friend.
-Maia. C
Idaho
I have been working with Lowe Law Group since May 2023. I was in a terrible head on collision and have been undergoing coming up on 2 years of medical treatment. I have had 3 case managers throughout the 2 years and have been working closely with Cassi these last few months and she has been amazing. She keeps me updated on whats going on with my…
I have been working with Lowe Law Group since May 2023. I was in a terrible head on collision and have been undergoing coming up on 2 years of medical treatment. I have had 3 case managers throughout the 2 years and have been working closely with Cassi these last few months and she has been amazing. She keeps me updated on whats going on with my case and is doing everything in her power to ensure the best outcome. She has come up with ideas my other two case managers had not that will benefit me in the long run! Its so nice to be able to feel taken care of and having a team backing you.
– Hailey B. Washington
I was in my car waiting at a stoplight when I was rear ended hitting my head, giving me whiplash, and a concussion. It also reaggravated other injuries I was making progress on. Cyra at Lowe Law Group was great jumping right into my case. She was professional and did well in keeping me informed of the process and updating me as needed. There were some challe…
I was in my car waiting at a stoplight when I was rear ended hitting my head, giving me whiplash, and a concussion. It also reaggravated other injuries I was making progress on. Cyra at Lowe Law Group was great jumping right into my case. She was professional and did well in keeping me informed of the process and updating me as needed. There were some challenges in dealing with the culpable party but Lowe Law I believe was able to get me the best settlement possible given all the circumstances and would recommend to anyone who has been involved in an accident.
– Nick W. Colorado
I had a wonderful experience with Lowe law group after my accident. They were great and my case manager Cyra was an absolute ANGEL to work with!! Highly recommend.
I cannot say enough, good things about Heather at Lowe Law Group! From the very beginning, she was a beacon of kind…
I cannot say enough, good things about Heather at Lowe Law Group! From the very beginning, she was a beacon of kindness, compassion, and professionalism. She truly cares about her clients, and her empathy shines through in every interaction. Heather made a potentially overwhelming process feel effortless, guiding me with such care and attention to detail that I always felt completely supported and understood. It’s rare to meet somebody who combines such warmth with incredible expertise, but Heather doesn’t flawlessly. She’s truly a gem, and I am beyond grateful for everything she has done!
Giselle was always kind. I love how she always communicated with me through this whole process. If I didn’t understand…
Giselle was always kind. I love how she always communicated with me through this whole process. If I didn’t understand something , She would explained it in terms that I could. I give Giselle and Lowe Law Group a 5 star rating. I highly recommend this Law Group if you are needing one. Thank you to everyone for your time consuming and hard work.😀
After one of the worst things that has happened to my daughter or me, Harmony was able help me work throug…
After one of the worst things that has happened to my daughter or me, Harmony was able help me work through it in every aspect I needed. From the first day we spoke she worked was so kind, honest and she worked hard for us and went above and beyond. Giving me space when I needed it encouraged me to talk when I needed to. She helped me get medical information, check out the boxes of requirements, find a counselor, and More behind-the-scenes I don’t even know about. I NEVER FELT ALONE, it stopped being my battle and it became her’s.This whole process took maybe five months and at the beginning I guessed this would be over one year. I really appreciate her and because of her work! If I ever meet someone who has an unfortunate accident, I will give them the contact information for Lowe Law Group and song their/ Harmony’s praises! THANK YOU HARMONY!
Being in a car accident and dealing with everything from the car damage to the injuries and everything in between is very…
Being in a car accident and dealing with everything from the car damage to the injuries and everything in between is very stressful. I am so grateful for everyone at Lowe Law for helping me every step of the way. Kaitlyn kept me updated on the progress of the case and answered all the questions I had. Jason and Pete are very knowledgeable and explained each step and helped guide me throughout the process. I would highly recommend them to anyone who has been in a car accident.
Thanks to Ethan for his gentle persuasion and persistent efforts.
…
Thanks to Ethan for his gentle persuasion and persistent efforts. I am very grateful to have the burden shifted to the real professionals. I might even be able to ski this winter as I expect to be recovered from this accident by the time Powder Mountain has enough snow.
Thank You Olga Baranova ( I mention you first and foremost due to the fact you were my case manager, and whom I had prima…
Thank You Olga Baranova ( I mention you first and foremost due to the fact you were my case manager, and whom I had primary contact with.) And to all who worked for me, with me, & on my behalf. For the knowledge, expertise & professionalism applied .. I not only applaud you all .. I thank you all. Wishing Blessings Bountiful To All As well as Good Health, Good Fortune Kind Regards Marc Goulet & Family.
Marissa Reed IS AWESOME!! Took 1+yrs. Difficult client & case she made it look easy. A True Professional. Need more like Marissa!!! THANK YOU SO MUCH!!!!
I answered an advertisement for this law group. I had fired the first attorney. So I retained Lowe Law Group, and Maris…
I answered an advertisement for this law group. I had fired the first attorney. So I retained Lowe Law Group, and Marissa Reed was my contact person. She could not help me but pointed me in the right direction. No charge. Thank you Marissa. I very much recommend this Law Group.
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