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.
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Short Answer
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.
Right after a crash, adrenaline and stress hormones suppress pain — it is a survival response, not proof you are uninjured. Meanwhile, inflammation from soft tissue damage builds gradually, which is why neck stiffness, back pain, headaches, dizziness, or numbness commonly surface 24 to 72 hours later.
See a doctor as soon as symptoms appear and describe the accident: that visit creates the medical record connecting your injury to the crash, which protects both your recovery and your claim.
Last reviewed: 2026-06-12
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