That is an excellent question. It depends on the law of your state. You may be able to if your doctor is in network with the insurance company. You would be considered an intended third-party beneficiary of the contract between your doctor and insurance company. I have successfully argued that the doctor is entitled to no more than the amount he/she would have been entitled to if they had billed insurance. I suggest you speak about this with your lawyer.
You are starting off by doing exactly the correct thing by seeking appropriate medical care. It is not unusual for symptoms to develop hours or even days after a car collision. I assume a police report was created? If not, file a report as soon as possible. Do not contact the other driver’s insurance company. If they contact you, do not speak with them. Instead, speak with a local personal injury lawyer with experience in handling these matters. I would be happy to assist you and your...
You should speak with a local lawyer about this. Many states have laws prohibiting passing on the right and I imagine it is never legal to use the shoulder to pass. That said, he likely also had a duty to keep a proper lookout and to only turn when safe. Even if you win, you will likely have an award reduced due to you portion of the fault.
You need to set up a meeting with you lawyer. If they don’t return your calls, then send a letter. If they don’t respond, send a certified letter. If they still don’t respond, fire them and get a new lawyer.
As previsouly noted... you may be able to force your insurance company to hire a seperate lawyer, only for you, who does nto answer to the insurance company at all. I suggest speaking with a local lawyer about it.
Were you injured? Do you know if anyone else was injured? CTA sends these letters as a form of CYA. They want to prevent claims by getting people to send statements they were not injured. They also want to know who will side with them in the even someone brings a claim. If you have specific questions, I would be happy to discuss them with you. I handle CTA claims on a regular basis.
He is suing your wife (and maybe you as well). Your insurance is presumably going to hire a lawyer to defend the case, but is not a party to the lawsuit (baring some very unusual circumstances). Let your insurance and the lawyer they hire handle it.
Notify your insurance company. You need to make sure that you are dismissed from the case. Do not trust that it will just happen. The insurance company has no duty to defend you or to do anything to protect you.