Felt fine after my crash — now I'm terrified I already messed up my claim
So I got rear-ended pretty hard about three weeks ago at a stoplight. The other driver was 100% at fault — there's a police report and everything. In the moment I felt shaky but okay, so I told the paramedics I didn't need a ride to the hospital and drove myself home.
Fast forward a week and my neck and upper back started screaming. Went to urgent care, they found muscle strain and some soft tissue stuff, referred me to a PT. I've now been to four PT sessions and honestly I'm still really stiff in the mornings and get headaches a few times a week.
Here's where I'm panicking: I did a little reading and apparently that gap between the crash and when I finally saw a doctor is a huge red flag for insurance companies. Like they'll use it to say "well if you were really hurt you would've gone immediately."
I didn't know I was hurt. Adrenaline is wild. I feel stupid for not going right away but I genuinely thought I was fine.
A few things I'm stressing about:
- Is that 7-day gap actually as damaging as people say?
- Should I be keeping a pain journal going forward? (Someone told me this helps)
- The adjuster already called me twice and left voicemails. I haven't called back yet. Is ignoring them making things worse or better?
I'm not trying to get rich off this, I just want my PT bills covered and to not be stuck holding the bag for something that wasn't my fault. Any advice from people who've been through this?