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.