Post-accident treatment timing: ① immediate (1–7 days): ideal, prevents chronic sequelae, ② within 30 days: fully covered by auto insurance with no questions, ③ 1–3 months later: covered if accident-related symptoms documented, ④ 3+ months later: more difficult, requires medical documentation linking to accident. Many people regret delaying — early treatment prevents long-term problems. If you're feeling pain or discomfort even weeks after, contact insurance and clinic immediately.