If your doctor connects the injury to the accident, you may still have a potential pain and suffering action to pursue. It depends on many factors such as the medical tests performed,the degree of disability and your prior medical history.

Her advice may be correct or incorrect. You should go and consult with an attorney to see if you have a case that, realistically, can be performed. Injury cases that involve very small impacts are very difficult. Cases of low ipact where the client delays treatment for months are doubly so. That does not mean, however, that you do not have a case to pursue. Try to find a lawyer if you want to pursue the case.

The 'No Fault'Laws in Florida allow you to be compensated for your medical bills and wage loss, once your PIP insurance is exhausted, but this assumes that the person at fault carried Bodily Injury Liability Insurance ( something that you will have to find out). In order to be able to collect damages for your pain and suffering you will need to be able to prove medically that you sustained a "permanent injury within a reasonable degree of medical certainty" from the accident, which means that a treating Dr. will have to evaluate to determine whether you have met that threshold. A good personal injury atty who is willing to take your case can guide you with the process. You are still within the time frame to bring a case as you have 4 years ( from the date of accident) to file a lawsuit ( assuming accident occurred in Florida). Find a good personal injury lawyer in your area that will fully evaluate the case. You should bring them the accident report, any correspondence received from any insurance company and your medical records to facilitate their evaluation. Good luck. DSM