Soldato
10mph to a sudden halt is more than enough to cause whiplash.
You are suffering up to 5.1g and feels like 365kg is being pressed onto your body.
https://www.omnicalculator.com/physics/car-crash-force
You aren't going to be feeling that unless you hit an absolutely immoveable object that doesn't deform at all. The majority of 10mph collisions involving a whiplash claim will involve someone shunting someone else up the rear, in which case, the car at fault doesn't go down to 0mph, and the car in front has a deformable bumper, and also gets shunted forward. 89ms for bringing the car from 10mph to 0mph is nowhere near representative of an average road collision that would result in a whiplash claim.
Using that calculator, sitting in a fayre ground bumper car at 6mph, and hitting another bumper car doing 6mph in the opposite direction would result in a force of 6G's and would feel like nearly half a ton of weight was hitting your chest, which clearly isn't the case or we'd all be done for.