When I was 21, I was rear-ended (I was at a stop and other car was going around 40km/h). At that time, I felt fine, just the shock of the accident. Two days later, my neck was a tad sore, but it went away. ICBC fixed my car and gave me $2000 to go away. Being young and stupid, I tood the money and ran. A few years later, my neck started acting up, and to this date, it is still buggered. Not much I can do about it, but, if I ever get rear-ended again, I can almost guarantee that my neck will be even worse, and there will be a claim happening with ICBC. I don't say this out of spite, just out of real life experience. If I do get hit and my neck is fine, I won't settle for several years just to make sure.