You should consider starting a claim for accident benefits if one or more of the following apply: You developed soft tissue pain in your neck, back, shoulders etc on a first, second or third day after the accident; You have signs of head injury. *Please note that one can suffer a head injury even if that person did not hit his or her head. This can happen due to strong acceleration - decceleration movement of the person neck and head during accident.
Please do not make a mistake of applying for Life insurance if you believe you cannot disclose a part of your medical history or life style history. Its best to either consult with a lawyer re your particular situation before you apply or/ and consider other ways of securing financial future for your loved ones.