Car totaled and received fair settlement already (12k). Neck disc herniation c7-t1. 4 months physical therapy with little improvement. Dr indicates may take up to 1 yr to heal. Medical bills are paid for by PIP in Pennsylvania. Lost time at work only for therapy/dr appt. At fault driver's insurance co. keeps calling each month to see how I feel. What are my next steps? Should I ask them for settlement?
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