Having worked in a motor vehicle claims department for a large insurance company, (straight out of school). My approach to a motor vehicle accident is to avoid them at all costs.
However this may not be an option for you. If you find yourself injured, you may need some professional follow-up. Cars can be fixed (usually), the trigger point for a vehicle write off is fairly low these days given the labour intensive motor vehicle repair industry.
There are different types of insurance:
Never admit fault - get the details of the driver. Below is from Legal Aid Queensland Car Accidents -:
Whiplash is caused by a sudden movement of the neck, forwards, backwards or sideways. Injuries to the tendons, ligaments and muscles occur.
Usually the neck has been pushed past its normal limits.
Symptoms include -:
Often it is necessary to see a physiotherapist. The problem can be that the small muscles of the neck have received trauma and switched off.
The larger muscles take over, however the problem is these large muscles were not designed to hold the neck up.
Whiplash treatment will often include small movements - refer to our neck pain page.
If you suspect any sort of injury, see an appropriate health professional. An example would be a chiropractor or physiotherapist. Mention you suspect the injury was caused by a car accident.
Your chiropractor may record the details and recommend you seek a motor vehicle accident lawyer
What you may be able to claim-:
The drivers CTP insurer would normally be responsible for paying compensation to the injured person.