You may need to report basic accident information, but avoid guessing about your child's condition, minimizing symptoms, or accepting a quick settlement before the medical picture is clear. Insurance companies may want to close the file early. With a child, that can be risky because delayed symptoms, follow-up care, school impact, or future treatment needs may not be obvious right away.

You may need to report basic accident information, but avoid guessing about your child’s condition, minimizing symptoms, or accepting a quick settlement before the medical picture is clear. Insurance companies may want to close the file early. With a child, that can be risky because delayed symptoms, follow-up care, school impact, or future treatment needs may not be obvious right away.