Ok, so previously we talked about what to do, health-wise, if you get into a car accident. Just to recap, you want to make sure you’re OK. Sometimes it takes three (3) days for symptoms to peak. A little neck stiffness right after the accident can gradually turn to neck immobilization, as the swelling process is very gradual over time. So don’t just assume that it’s not a big deal, even if it was just a fender bender.
In general, if the accident was significant (damage to your car) and you feel shaken up and sore, go on ahead to the emergency room. They will check you for “red flag” conditions like broken bones, ligament ruptures, concussion/brain injury, and nerve damage. And if there are no red flags, they may send you home with a bottle of pain pills. Once you’re cleared of red flags, visit a chiropractor who knows how to treat and rehabilitate soft tissue injuries. The goal is to get you out of pain fast, but also restore your functionality (flexibility and strength). This takes some time.
The other thing you’ll need to deal with is the liability and insurance issue. This can be a big headache if you don’t play your cards correctly. It will determine who pays to repair your car, and your medical bills. If it was unclear who was at fault, do not say to the other driver that it was your fault. Exchange driver IDs, phone numbers, and insurance information (you should have a copy of your auto insurance coverage card in your car). Call the police and get a police report (they may not come if they are busy and no one was injured). Do not attempt to drive your car if it looks like the steering or drivetrain was damaged. Call a tow truck instead.
Call your car insurance company immediately and report the accident. The agent will ask you if you are OK and if you need to see a doctor. It’s best not to say “you are fine” because you don’t know yet, and it may affect your case later if it turns out you were in fact injured. Just say, “I’m going to see my doctor to get checked.” The agent will ask if there is any damage to your car. If so, the agent may recommend auto repair shops, or will tell you to take it to any shop and the mechanic will send them the estimate. Typically, the insurance company will issue one check directly to the mechanic for the repairs. If you have towing and rental coverage, the insurance will either pay your bills for you, or will reimburse you after you provide copy of your bill.
Well, that’s a lot to remember for now. The other issue some car accident victims have to deal with is compensation. I’ll address that in the next post.
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I was in a car accident last month and ever since, I’ve been getting headaches, and I have this kink in my neck that won’t go away. I thought I’d just wait to see if it goes away but now I’m a bit worried. Thanks for the info, I am going to call my doctor for an appointment (I’m in Oregon).