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anything that would make the spinal canal narrow will qualify for "stenosis" (disks, arthritis, joint facet hypertrophy, etc...)
but your MRI should actually be interpreted as multilevel disc disease with some degree of spinal narrowing and foraminal narrowing (opening through which nerves come out) in respective levels.
P.S. i do not think this was caused by MVA. these changes are usually chronic in nature but may be exacerbated by recent trauma (MVA) unless you have MRI done just before the MVA and after - you can not claim these changes has resulted from MVA
unfortunately it does not mean that. Millions of "normal" people without pain, or numbness who have MRI similar to what you have. opposite works as well - lots of people who is in pain who's MRI is completely normal.