Facet joints are pain generators in the neck and can be a reason your patient has pain. You need to be sure to evaluate these joints and document it in your notes. Insurance companies will argue almost all injuries, but you need to explain how and why you diagnosed a certain pathology such as a facet injury. I have put a reference below that shows facets can get injured in MVC. Not only that, but be sure to ask what position your patients head was in during the impact. Be sure to send any questions you may have.