Domestic automobile insurance claims were investigated to correlate the driver neck injury risk with the safety rating of the head restraint, the severity of vehicle damage, and other human factors. The results of our statistical analysis reveal that the risk of neck injury for the driver is significantly different for vehicle size, use, driver gender, driver age, impact direction, accident location, and safety rating of head restraint, depending on vehicle the damage level which is assumed to imply impact severity during a rear-end crash accident. One of the unique findings from domestic insurance claims from low-speed rear-end crash accidents is the frequent reports of lower back injury together with whiplash. Thus, the risk of lower back discomfort is also included in this statistical analysis.