Work comp carriers can deny a referral. It happens all the time. They are not supposed to direct medical care, but can deny a particular evaluation or procedure if their medical advisors have a good reason for the denial. You could file for a hearing on the issue and possibly get them to pay for the referred care. You could also get the care yourself, but you will pay for it yourself too. You need to hire a good WC attorney asap to help with this issue.
In my experience with DUI defense, everyone fails the roadside. I call them "stupid human tricks" akin to what David Letterman used to feature on his show. Your case is all about the refusal. Refusing to have your BAC tested creates a presumption of DUI. "Refusal" cases are difficult because you can't argue against the breathalyzer, but also can be good because there is no evidence of DUI except the officer's observations. You need a good DUI lawyer, not just any lawyer, but one that...
Yes, there needs to be a record of the event filed through the police so that the insurance companies will be able to process the claim. And, if the tape turns up the driver of the vehicle that hit yours, you can assist with the prosecution of that individual and/or bring a claim against him or her.
Since fault is not yours or your spouse's, then you should be immune from liability. Yes, you can sue for the bills and funeral expenses even though your insurance paid for them. The wrongdoer does not get a free pass just because you were prudent to buy your own coverage. I am sorry for your loss. Good luck.
Whiplash is the mechanism of injury, but the actual injuries are strains or sprains of ligaments that support the neck. They are like duct tape that hold the neck in place, wrapped around the cervical vertebrae. This is absolutely an injury.
Probably a toss up between you and the bicycle rider. It doesn't sound like you stopped before the crosswalk and certainly the bicycle rider didn't yield to you. Either action could have prevented the collision.
Yes, the money is supposed to be reported. It may make you ineligble for benefits for a while, until it is spent. Then, need-based programs like Medicaid will kick in again. You may need to re-apply or at least re-verify your assets. It is likely too late to set up a trust to insulate against this.