Adrenaline and stress hormones mask pain right after a crash, and inflammation develops over the following days. That is why doctors recommend an evaluation even when you feel fine at the scene.

Generally two years from the date of injury — but claims against government entities require a notice in as little as six months, and waiting makes evidence harder to preserve. Confirm your specific deadline with an attorney.

As of January 1, 2025, California requires at least $30,000 for injury or death to one person, $60,000 per accident, and $15,000 for property damage. Those minimums rarely cover a serious injury.

No. UM/UIM coverage must be on your policy before the crash happens. It cannot be added retroactively, which is why reviewing your policy now matters.