Into the MIST: Effective Approaching Minor Impact, Soft Tissue Claims

Minor impact, soft tissue, or MIST, claims involve collisions resulting in minimal vehicular damage but allegations of significant bodily injury among vehicle occupants. This seemingly counterintuitive phenomenon is all-too-common in the insurance industry, especially among newer adjusters. Addressing these claims requires a careful approach, based on measurements, investigation, suspicion, and thoroughness (a second type of MIST, which we’ll differentiate as MIST).