You’re driving along with your family on a beautiful, sunny day. You see the light is yellow, about to turn red, so you brake. Next thing you know, there is a huge impact from behind. You hear the crunch of metal and your spouse’s sharp intake of breath. Your car is propelled forward before coming to a stop. Someone has driven right into the back of your car. Your spouse has clearly hurt their neck. Your whole body is tense and sore. Your kids are unharmed but terrified and screaming in the back seat. You can’t believe this has happened. Someone calls the police and you step out to talk to the driver who hit you. Your car is badly damaged. You exchange insurance information and the police assess the accident. You know there are other things you have to do. But you’re in shock and this feels like a bad dream. After the police have done their work, you realize you have no idea what to do next. These are issues you have never had to deal with this before. They could involve your insurance company, a tow truck company, an auto body shop, a mechanic, a health clinic, and perhaps even a personal injury lawyer. When you are faced with choices like these for the first time, a trusted advisor with experience can make all the difference as you try to make the best choices for you and your family.