You’re driving down I-285 near Perimeter Mall, music up, mind on dinner. Bam—someone taps your bumper a little too hard. You feel okay, a little shaky, but you head home. By morning? Your neck is stiff, your back screams, and the other guy’s insurance...

You’re on a cruise, soaking up sun near the pool. The deck’s wet, you slip, and your knee pops. Or maybe a tender boat bumps hard and you fall on the steps. One second you’re fine, the next you’re sore, embarrassed, and wondering what...