[LWJ]

I had a similar situation about 15 years ago. I still have pain. I took a tiny settlement because the claims adjuster told me I had to close the claim. I just wanted medical attention for the injury I had, nothing more.

I would sit down and determine what you need. Is it on-going care? Or is it recouping out of pocket? Or other?

When you see what you need you can determine your strategy. I work in insurance and claims people are driven to minimize claims. No news there. If you have a modest and reasonable request, it may be paid out no problem. If the claims person disagrees with your request, you can escalate up the ladder. I would be straight forward and no nonsense in your approach and communicate that this is what you are going to do. Tell them that if you have to hire an attorney, it will come out of their pocket.

I expect that you have a 25% chance of successfully negotiating this yourself, but it is worth it.

Best of luck. This sucks.
Larry