T-boned last week and I can't stop replaying it — anyone else feel weirdly ashamed?

The guilt thing hit me so hard reading this. I went through almost the exact same spiral after my accident — kept thinking 'what if I'd left the house two minutes later' like that was somehow useful information. You didn't cause a speeder to speed. That's on them, not you.

Please don't minimize the neck stiffness and headaches. I've seen so many people brush off soft tissue symptoms after a collision because they feel 'fine enough' and then six weeks later they're in real pain. Get checked out by a doctor soon — not just for your health but because if you need treatment later it's much easier when there's early documentation. The anxiety you're describing is also really common after accidents, even ones that look minor on paper. Your nervous system went through something. That's real.

Former adjuster here. When there's evidence of speeding — witness statements, skid marks, traffic cam footage, anything — it really does move the needle on liability determinations. Start collecting that stuff now if you haven't already. Also, if the car is totaled, don't just accept the first valuation they give you. You can dispute it with comp listings for similar vehicles in your area. People leave money on the table all the time because they assume the first number is final.

I just want to say — you're allowed to be shaken up. You don't need to hit some injury threshold to feel like the accident 'counts.' It sounds like it was genuinely scary and the stress around the car and your family's situation makes it so much heavier. Be gentle with yourself, seriously.

Not legal advice, but the combination of factors you're describing — speeding driver, liability still open, physical symptoms starting to show — is exactly the situation where talking to a personal injury attorney early costs you nothing and can protect you a lot. Most do free consultations. The neck and headache stuff especially: you don't want to settle anything before you actually know what you're dealing with medically.

Two things: (1) Go to a doctor this week, not next week. (2) Don't sign or agree to anything from any insurance company until you at least understand what you're signing. The guilt spiral is understandable but it won't help you get a fair outcome — focusing on the practical steps will.

You walked away. The impact caught the back half of the car instead of your door. That detail you mentioned — I don't think that's a small thing. I think about the geometry of accidents a lot since mine and sometimes a few feet genuinely makes all the difference. I'm glad you're here to be stressed about insurance stuff.

What did the police report actually say about the other driver's speed? Is there any camera footage at that intersection or did any witnesses stick around? I ask because 'way over the speed limit' is going to carry a lot more weight if it's documented somewhere official versus just how it felt in the moment. Not doubting you — just thinking about what actually helps you in the liability fight.