Quick Answer See a doctor within 24-48 hours of a car accident — even if you feel fine. Adrenaline masks pain, and many serious injuries (herniated discs, concussions, internal bleeding) have delayed symptom onset. In New York, you must seek treatment within 30 days to preserve No-Fault benefits. Call MAIC at (888) 991-5290.

Why You Should See a Doctor Even If You Feel Fine

Two physiological facts explain why you might feel fine immediately after an accident even if you have significant injuries:

Adrenaline suppresses pain: Your body releases epinephrine in response to the trauma of an accident, acting as a natural painkiller that can mask injury symptoms for hours.

Inflammation takes time: The inflammatory response to soft tissue injury — disc herniation, ligament tears, muscle damage — develops over 24 to 72 hours. Many patients feel progressively worse in the days following an accident, not better.

The Legal Reason: Causation Documentation

Even setting aside the medical reasons, there is a critical legal reason to be evaluated immediately: insurance carriers use any gap between the accident date and first medical evaluation to argue that your injuries were not caused by the accident. A patient seen the same day as the accident has a temporal link that is essentially impossible to challenge. A patient seen a week later faces an uphill causation argument.

When to Go to the Emergency Room vs. MAIC

Go to the emergency room immediately if you have: loss of consciousness, severe headache, chest pain, difficulty breathing, severe abdominal pain, signs of bone fracture, or any symptom suggesting serious injury. For other accident injuries — neck pain, back pain, shoulder pain, dizziness — MAIC's same-day evaluation provides comprehensive PI-specific care that emergency rooms typically don't offer. Call (888) 991-5290.