island911, I had a bicycling accident with a car 2 months ago. I tried to be the nice guy. Insurance companies and the hospitals are NOT looking out for your best interests. Be cordial, but don't give them anything, because they aren't giving you an inch. Before they even swing the first punch, you sucker punch 'em in the gut and don't stop punching, even if they say,"Uncle!"
I am still fighting the insurance company, and I still have unpaid medical bills from 2 months ago. Lady at the insurance company said "Sure, we'll take care of it. Can I keep the copies of your bills?" So much for that.
This is one instance in which you must be aggressive. I learned the hard way.
I will let you know if I pick up any tricks.
Jürgen