I want to know more. What was the police report for one? I reckon the police report may have had something to do with the insurance. I'm curious to know more because I think medical malpractice is an abused system.
You have no idea.
In some states, you are legally obligated to carry "no fault" insurance on your auto policy. No fault insurance will pay your medical bills in case of an accident, up to the state mandated minimum,
no matter who was at fault.
The original intent of the law was so that everyone could get bills paid/not go to collections early in a case, while liability is being disputed.
What it did in practice is give any collision, no matter how minor (and we're talking love taps level of minor) a minimum dollar value (in terms of medical bills). So let's say your state has $5000 no fault minimums (like Florida), then any accident is guaranteed to pay at least that much. So chiropractors sprang up everywhere because they can treat patients for at least $5k no matter what. And since soft tissue injuries can't be proven or disproven through diagnostics, an insurance company can't say that someone wasn't injured.
In an injury case, medical records are your evidence. The problem is that the medical providers (chiropractors) have every incentive in the world to treat every patient to at least the minimum no fault limits, no matter how injured. In Florida it's so bad that chiros will pay people to get in accidents and then treat with them. The patients get a couple hundred dollars, some free massages, and pain medications, the chiros get five grand in insurance money, and attorneys get clients with medical bills.
In states with no fault insurance, your no fault coverage is usually about half of your yearly premium, because someone has to pay for this.
Next time you are in Florida, notice how many ads for injury attorneys you see.