Don't sign off on any insurance yet. I was in an accident, thought the stiffness and pain was temporary. Well, four and a half years after the accident, I ended up having a spinal fusion in my neck, dead man's bone/titanium. I spent those years in pain, thinking I was going to get better any day. It was a whiplash-type injury. No bruising, no overt signs of injury, just chronic pain. After my surgery, I had to sue the insurance company just to get my medical bills paid. I just about went insane.