Did I read this correctly that you have NOT seen any doctor, but engaged "Nurse Wife"? If you have no doctors visits, you're in trouble. One, the insurance can say that you obviously weren't injured, so no pain and suffering payment. Also, if they were going to pay you 3x your medical bills, lets see.....3..........0........carry the one.......3x$0 is......uh.....ZERO! Then they'll ask you to sign off, and, as mentioned before, if things pop up later, it's all on you. Please, go get checked out....THOROUGHLY! It's worth it!

And +1 on your attitude. Let's hope the insurance company treats you with the same respect you are trying to treat them with!