I was injured in a car wreck (rearended at a stop sign). I have never had to go to a chiropractor before and have had to go twice a week since the accident October 6. The insurance company checked out the damage to the car and just wrote me a letter saying a new person was assigned to my claim and that ''photos of the insured's vehicle shows no damage and we paid $75 to compensate you for this damage, I do not feel that this impace was severe enough to case and (sic) injury. I understand you have already sought treatment prior to my obtaining this assighmnet and therefore I am willing to extend you $250 to cover two visits to our doctor.'' What are my rights, does the egg shell plaintiff rule apply?