Auto insurance herbal medicine coverage: ① fully covered as part of traffic accident treatment, ② standard 7–10 day prescriptions for blood-stasis (Dangguisuo-tang base), ③ extended prescriptions for severe injuries (chronic sequelae prevention), ④ no co-payment for the patient, ⑤ insurance company directly pays clinic. Available immediately post-accident. Korean medicine clinics specialize in soft tissue injuries which Western imaging often misses.