@goldendawne - OMG I can sooooo relate! My auto accident was 2-1/2 years ago now - where we were rear-ended by a kid with only minimum insurance coverage. So I'm in a law suit against my own insurance company too to claim the Under-insured coverage we have paid for! What a dishonest racket insurance is! I have a neck injury that my doctors want me to have surgery to put in a plate, but I'm scared to do it. I don't have it as bad as you do, but I definitely feel your pain and anxiety and dissatisfaction with the status quo. I hope things continue to improve for you! Keep on fighting, you deserve to have your life back.