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I had to file before the two - year time limit and had no idea I would eventually be diagnosed with fibromyalgia that has prevented me from earning the living I would had thought possible before the accident . I settled in mediation with the other insurance company . Had I known 15 years down the line I'd still be suffering , I would have asked for more . Do I have any rights to compensation from my insurance company ? I still have the same one as in 1998 , but have never asked them about it .