I don't want you to be a day late and a dollar short.
There are two things I want you to learn today. For one, insurance is a lot like health you can't go back in time and buy it.
Number two is, prevention is 10 times easier than trying to fix any problem.
I see it in the office pretty much every week. Someone universally comes in with neck pain of some mysterious origin and after sitting and talking to them for a while we find out that they've been in a car accident 2-6 months ago.
Did you know that the inside parts of the spine actually do not have nerve endings, so if it's damaged many times you can't feel any pain.
Scar tissue sets in and over the 6 months and the spine becomes stiffer. If it goes on long enough people get hand pain, headaches, or just have a harder time getting comfortable.
Over time, people feel like they are getting older .
And easy way to tell if people need help is to watch them when they drive, and if they stop looking over their shoulder when they are in traffic they can't move there neck anymore.
So how on earth am I going to save you money.
#1 Statistically, you have a 25% chance of being in a car accident in the next four years. More than half of those people who are hurt, were in an accident less than 14 mph. Since the crumple zones of the car aren't generally activated at those speeds, the full force of the accident is transferred to the human body.
The average car accident will cost between $3,000 and $15,000 depending on how much of that damage you absorb.
If you do not have that many Benjamin's laying in your checkbook that can be written out for care for ambulances, doctor visits, physical therapy, chiropractic, and massage then you might want to call you our auto insurance carrier.
For less than $.15 a day you can get $25,000 or more of coverage in your personal injury policy.
#2. Raise your head rest. You really can't find any cars nowadays that don't have headrests and there's a reason for that.
The last time I saw a car without a headrest was watching Smoky and the Bandit. That black Trans Am didn't have one.
If you are sitting in the car and the middle of your head it's the middle of the head rest, raise it two inches, if possible.
As a person gets rear ended the middle of the back straightens out and people actually get a little bit taller during an accident and their heads go up.
The next time you get in the car you are going to want to do two things.
First call your auto agent and raise your personal injury protection.
Second you will most likely need to raise your head rest.
I guess, third, if you were in an accident in the last six months let me know and we will check your spine for you.