Guest R, et al. - This research ascertained if the psychological distress related to musculoskeletal injuries sustained in a motor vehicle crash (MVC), irrespective of time of onset, exerted an effect on the compensation outcomes such as claim settlement times and costs. This study also determined the factors routinely collected by insurance companies contributing to psychological distress during the compensation process. Compelling evidence was yielded that psychological distress exerted an adverse impact on the study cohort as they progress through compensation. Further resources ought to target claimants at risk (eg, the socially disadvantaged or those unemployed prior to the claim). Emphasis was laid on reducing the risk of psychological distress, such as post-traumatic stress disorder, and related risk of increased settlement times and claim costs.