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You might be reading this with a sore neck, a stack of medical papers, and a car that is either in the shop or totaled. The crash itself may have been over in seconds, yet the aftermath feels like it is dragging on without an end in sight. Insurance adjusters keep calling. Bills are arriving. …

It probably happened in a few seconds. A turn you thought was clear. A light you were sure was still yellow. A slick patch of road you never saw coming. Then the impact, the noise, the confusion. Now you are hurting, your car is a mess, the bills are piling up, and on top of …

You might be replaying the crash in your mind, wondering what you should have done differently. Maybe the collision felt minor at first. Maybe you were in shock, the other driver seemed apologetic, and no one wanted to wait for an officer to arrive. So you exchanged information, went home, and tried to move on. …