Back injury, Other driver has stated fault
I've received several injuries in an accident. The other driver has stated(recorded by the officer) that she wasn't paying attention and ran the red light. I am seeing my family doctor andhe has recommended 1) Physical Therapy and 2) Chiropractic treatment: both costly.
My question results from the statement of the insurance company that I "save all my bills, and when I am finished with medical attention to send in the bills" and then they'll settle in "one lump sum".
What are my rights? Shouldn't they pay for the medical treatment now? Pain and suffering?