I think it's just settled directly here pal, my insurance company send you for an independent medical, ask if you've incurred any losses and once it's established you have a legit complaint either sides insurance firm reaches an offer. That's the problem though isn't it, everyone assumes you're after a payout not that you've been injured. I'd have rather not been in a crash at all, gone to work the last two weeks and been able to continue lifting and moving normally as before.
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