Typically, the at-fault driver's insurance covers your medical bills. However, your own Personal Injury Protection (PIP) or MedPay can cover immediate costs while your claim is processed. We help you coordinate these benefits so you aren't paying out of pocket.

An airbag failing to deploy doesn't mean you aren't injured. The force of the impact is still transferred directly to your body, often causing whiplash or spinal trauma. It's critical to get a clinical evaluation immediately, regardless of vehicle damage.

Emergency rooms check for life-threatening injuries like fractures or internal bleeding. They do not specialize in soft-tissue damage, which often takes days to fully manifest. A specialized injury clinic can properly diagnose and treat these hidden, lingering injuries.

Medical Payments coverage (MedPay) is an optional addition to your auto policy that pays medical bills for you and your passengers, regardless of who caused the accident. Using it provides immediate relief and does not negatively impact your claim against the at-fault driver.

Absolutely. Research shows that collisions at speeds as low as 5-10 mph can cause significant soft tissue damage and whiplash. Delaying a checkup can worsen the injury over time and weaken your insurance claim.

Insurance companies look for any gap in treatment to deny or diminish claims. Ideally, you should be evaluated within 72 hours of your accident. Waiting longer gives insurers a reason to argue your injuries were not caused by the crash.