From the perspective of some insurance adjusters, a statement of I am in pain, without any supporting medical documentation or the assistance of a qualified attorney, will get you a there, there and possibly on a good day a low ball offer of 100-300 for your pain.
Pain is your body telling you something is not right. Listen to your body and have treatment to help your pain subside or be more manageable. Secure counsel to help you overcome resistance of the adjuster on treatment subsequent to the event.
In Kansas you have to incur $2,000 in accident related medical expenses before you can make a claim for pain and suffering (or the fracture of a weight bearing bone and some other exceptions which don't appear to apply here).
The good news is you should have Personal Injury Protection (PIP) benefits through your auto insurance to pay for treatment if you need it. This is the "no fault" coverage people typically talk about.
If you are hurting from the accident I would advise going to the doctor and submitting it to your Insurance carrier. If you incur $2,000 in medical expenses as a result, you would then likely have a claim against the at fault driver. On the other hand, if you haven't treated at all the insurance carrier is unlikely to offer anything.
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