You might have a small meniscal tear in that area which won't really full heal. This means it is prone to reinjury. It a little far forward for the MCL but it looks right on the joint line. Did you impact the joint during the accident? If so there could be a little bone damage on the top of the tibial as it is exposed in that area. MRI's are rather inexpensive these days so you might look to get one which would then suggest if any surgical intervention would be indicated or worthwhile.