Why Car Insurance Keeps Going Up in California
Why car insurance rates may keep rising, what higher premiums do and do not mean, and what California drivers should review in their policy.
View detailsFAQ
Short Answer
No. Saying "I'm fine" before a medical evaluation gives the insurer ammunition to deny later symptoms. Get checked first, and let your medical records speak.
No. Telling an adjuster you are "fine" in the hours after a crash — before any medical evaluation — hands them the argument they need to deny symptoms that appear later, which is exactly how delayed injuries work.
You are not qualified to diagnose yourself at the scene, and you are not required to give the other driver's insurer a recorded statement. Get evaluated first, let your medical records speak, and get advice before discussing your condition with any insurance company.
Last reviewed: 2026-06-12
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