Hello worst fears.

[Joana1n]

Gosh, how scary. It's one of my fears, too. I echo the advice to consult with a lawyer. They're well-versed on dealing with insurance companies and the others are right, the insurance companies will try to pay as little as possible. It's unfortunate, but that's sadly the way it works. DH & DD were in an accident 3 years ago and even with a lawyer's help we had to fight with the insurance company.

I'd also recommend having your husband see a chiropractor.

Hope everything gets sorted out smoothly and quickly!