Other driver was at fault and cited. I have Med Pay, and therefore have not signed waiver for my medical records to their insurance. They immediately offered $2K settlement based on 3 days out sick. I refused to accept. They now are saying I am running out of time to settle. Meanwhile I had many visits to PT. I am much better, but some persistent neck stiffness. I managed to make up time out of office so I wasn't docked pay. However, this was very stressful. I couldn't concentrate on getting well. I also could not get a replacement car for 6 weeks. Are these sorts of factors things that should be taken into account? I suffered whiplash. Red flags went up when they pushed for my medical records and continued to say time was running out, and the offer could be lower after reviewing my record
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