Introduction

When someone’s been in an accident, there’s a common reaction: “I’m fine.” Maybe just a few bruises, maybe a stiff neck. You get up, exchange information, go home — and assume the worst is over.

But sometimes, the worst is just beginning.

At Lockamy & Associates, we’ve seen far too many cases where a client didn’t know how badly they were injured until it was too late. Not because they ignored it — but because their injuries were hidden. And by the time the pain set in or the diagnosis came, they had already signed paperwork with an insurance company that offered far less than what they were entitled to.

Here’s what you need to know.

The Injuries You Don’t See Coming

Many accident-related injuries take time to appear. Adrenaline, inflammation, and internal trauma can delay symptoms for days or even weeks. Common examples include:

• Traumatic brain injuries (TBIs) – You don’t have to hit your head to suffer a concussion. Symptoms like brain fog, irritability, memory problems, and light sensitivity can come on slowly.

• Whiplash and soft tissue injuries – These often feel like general soreness at first. But untreated, they can lead to chronic pain, nerve damage, or limited mobility.

• Spinal disc damage – Herniated or bulging discs might not be obvious immediately but can become debilitating.

• Internal bleeding or organ damage – Especially in car or bike accidents, these can be fatal if undiagnosed.

• Psychological trauma – PTSD, anxiety, and depression are real injuries that deserve care and compensation — but rarely show up on Day One.

Why You Should Never Rush to Settle

Insurance companies know this. That’s why they move fast.

After an accident, it’s common to get a call with an offer to “just wrap things up.” It may even seem generous. But accepting that first check almost always means giving up your right to future compensation — even if your injury turns out to be far worse than you thought.

Don’t sign anything until you:

• Get a complete medical evaluation

• Understand your long-term recovery needs

• Speak to an experienced personal injury attorney

Your health isn’t a negotiation. It’s a priority.

What You Should Do Instead

If you’ve been in an accident:

• Get medical attention immediately, even if you feel “okay.” Let professionals rule out deeper injuries.

• Don’t assume you’re fine. Keep track of new or worsening symptoms in the days and weeks after.

• Avoid recorded statements to insurers. They’re not looking out for you — we are.

• Document everything: pain, treatment, time off work, and emotional effects.

• Talk to a lawyer before you talk to their insurance adjuster.

Why Legal Help Makes All the Difference

At Lockamy & Associates, we know what’s at stake. Once you sign a release, there’s no going back. We fight to ensure you understand the full value of your claim — medically, financially, emotionally — before any decisions are made.

We’ve helped New Yorkers recover fair compensation after serious injuries that didn’t appear until days or weeks after the accident. You deserve the same protection.

📞 Free Consultations: (212) 931-6363

📍 60 Broad Street, Suite 3002, New York, NY 10004

💼 No legal fees unless we win your case.

Let us help you get the care and compensation you deserve — without rushing into the wrong decision.