I was involved in an accident where the other driver failed to stop. I sustained some bruising and pain in neck and shoulder. Some xrays and cat scan showed no fracture. But I still have pain moving my arm. My auto insurance adjuster suggested going through my auto medical coverage which has $5000 coverage for medical expenses. But as I have uninsured motorist coverage is that not the best approach as my expenses will probably surpass the $5000. Also would my premium not go up if I claim through medical coverage instead of uninsured motorist? I have been out of work for 10 days so who pays for that? Also what about pain and suffering?
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