I had an accident, in-fact a severe one, about 4 years back. I recovered with no big symptoms. But I was a teen then.
Now during a routine yearly physical check, my doctor diagnosed a murmur, did an EKG and then called on a cardiologist for an Echo cardiogram. (EKG will not reveal much about murmers so Echo is a must)
Echo showed I had MVP
or Mitral Valve Prolapse
with minimal reguration. MVP either comes by birth or need not be. An accident causes a severe shock
and that could cause MVP. That happened in my case.
Now, I my case I never felt anything but I would say 100% go to a cardiologist immediately. Echo would cost anywhere about 800-1000$ (and blue cross' contracted rate is about 550$) so your insurance on 550$ should be say 200-350$ (Its a guess check your insurace %).
Go for it..Take care and Good luck.
PS: center of the chest is important and part of Echo is to check that how ur blood flows and also through the neck to the brain.
Hope this helps!