[almcbri]

Keep good records! and begin figuring expenses for everything! drive time to the chiroprator, Dr's, massage therapy-mileage and compensation for time spent at the Dr's instead of work. She missed work, which would involve compensation, etc. If you document well, Insurance companies will give you a better settlement when trying to settle a claim.
Don't let the Insurance companies push you around when trying to settle this case. Be firm and direct when dealing with Insurance companies.
Good luck! It sucks!