Thank you, Bud. Good to see someone else using their head for something other than a helmet stand.

Yes, get an attorney right away. He'll make sure you go to his doctor, who will then prescribe physical therapy whether you need it or not. You'll have to go 3 or more days a week, during work hours, so that you can also pursue lost wages. Even if you improve with PT, you'll have to keep going, so as to bolster the claim even more. So the insurance company will spend $3k on medical/PT, then cut your attorney, not you, a check for say, $5k? Give at least 1/3 of that to the attorney.

Scenario number 2: You meet with the adjuster, give him the name of your GP, the doctor that's looking after your best interests, and request that they set up direct billing. If your doctor and you agree that you need PT, you contact the adjuster, and have him arrange to pay the bills direct. When you are feeling better, you discuss with your doctor any possible residual injuries, perhaps even get referred to a specialist. At that time you you enter into negotiations to settle your claim. If you want $5k for your pain and suffering, lost wages, and possible future treatment, ask for $8k, and let the adjuster stew on it.

Of course, it's up to the individual, their honest, and integrity. To portray all insurance adjusters/companies as trying to stick it the injured party is irresponsible. That mess was created by all the scam artists and shady attorneys.