One of the more serious types of injuries that we handle is a concussion. A concussion is a brain injury—sometimes referred to as a TBI, or traumatic brain injury—that can have serious consequences. Growing up, we had the habit: if you got knocked down or fell down, shake it off. That’s not the way these things are treated anymore. Even the National Football League has a concussion protocol to protect the football players—who are athletes—from the serious long-term consequences of a TBI. If you hit your head in an accident, have a gash on your forehead, maybe a black eye, or think you’ve been unconscious for even a second or two, make sure you tell the ambulance personnel, the emergency room personnel, the nurse, and the doctor—and eventually your family doctor. They may refer you to a neurologist or other specialist to have it diagnosed. So, if you have a head injury—a concussion—make sure you record it. Make sure the doctors write it down, because if it’s not written down, as far as the insurance company is concerned, it didn’t happen.