You're driving east on the Long Island Expressway in heavy Tuesday traffic when a box truck plows into your rear quarter panel at 55 mph. You walk away with a sore shoulder and a torn shirt — until twelve hours later in a Nassau County ER, your blood pressure crashes and a CT scan shows your spleen is hemorrhaging into your abdomen. Or you're a steamfitter on a Long Island City renovation when a load of pipe drops two stories and pins you against a column, rupturing your left