genuine-badger-8225/11/2026

At-fault driver's insurance fixed my car but is ghosting me on my injuries — what now?

Hey everyone. I got rear-ended about four months ago at a red light — other driver was 100% at fault, admitted it on scene, police report backs me up. Their insurance was a nightmare to deal with but they eventually paid to repair my car, and then... silence. Complete radio silence on anything related to me personally.

Here's where I'm at health-wise: I went to urgent care the same day because my neck and head were killing me. They flagged a possible mild TBI and told me to follow up. I've since seen my primary care doc twice, got an MRI, and just had a neurology consult last week. The neurologist says I'm dealing with post-concussion syndrome — headaches, trouble concentrating, light sensitivity, the whole package. I also have pretty significant neck stiffness that my doctor wants me doing PT for.

The PT alone is going to run me hundreds of dollars I just don't have right now. And I'm a freelancer, so the two-plus weeks I couldn't work properly aren't coming back either.

Their insurance rep called me once, weeks ago, and said something vague about "once the property claim closes we'll be in touch about any other damages." That was over six weeks ago. I haven't called them back because honestly I don't know what to say, and a friend told me not to give them a recorded statement without knowing my rights first.

Is this the part where I should be talking to an attorney? Or do I just wait them out? I'm not trying to hit a jackpot here — I just want my medical bills covered and some acknowledgment that this has genuinely disrupted my life.

8 replies

Most helpful first

candid-vole-7505/11/2026
Please do not call that adjuster back without at least consulting an attorney first. That "we'll be in touch" line is a stall tactic. They're hoping you'll either forget, settle for pennies, or say something on a recorded call that hurts you later. They are not on your side, full stop.
- steady-crane-5075/11/2026
  Not legal advice, but this is pretty much the textbook situation where a free consultation with a personal injury attorney makes sense. Post-concussion syndrome can have a long tail, and you want someone who understands how to document that before you accept anything. Most PI attorneys work on contingency so there's no upfront cost. Don't sign any releases from their insurance without understanding what you're giving up.
humble-otter-6755/11/2026
I used to work claims and I can tell you exactly what's happening here: your file got shuffled to a different adjuster once the property damage closed, and nobody picked up the injury side proactively. It happens constantly. They aren't rushing to find you — that's not how it works. You have to push, but you want to push strategically. With a documented TBI and ongoing neuro symptoms, this isn't a minor soft-tissue case. Get a free consult with a PI attorney before you make any moves.
humble-crane-3125/11/2026
I was in almost this exact spot last year — rear-ended, concussion, and their insurance went quiet after fixing my car. I waited too long thinking they'd come to me. Eventually got an attorney involved and it honestly took a huge weight off because I stopped having to think about how to deal with the insurance people myself. Whatever you decide, don't just keep waiting and hoping they call.
hearty-fox-2855/11/2026
From a medical standpoint, please don't let the PT slide just because of the cost uncertainty. Post-concussion symptoms can really dig in if you don't address them, and gaps in treatment can also be used against you later to argue you weren't that hurt. See if your neurologist can document the recommendation in writing — that matters a lot.
wise-grouse-7315/11/2026
A couple of practical things: start keeping a running log of every symptom, every day you can't work normally, every appointment and copay. Screenshots, receipts, all of it. Also write down everything you remember from that one phone call with the adjuster — what they said, the date, as close to verbatim as you can. If you do end up with an attorney, that paper trail is gold.
sharp-seal-5435/11/2026
You're a freelancer with a documented brain injury, lost income, and mounting medical bills, and you're asking if you should talk to an attorney? Yes. Call one this week. Free consult, no obligation. Just go do it.
calm-bison-2235/11/2026
The fact that you're still having symptoms four months later and you're stressing about affording PT on top of everything else — that's so much to carry. I hope you get some real answers soon. You deserve to actually recover without the financial stress piling on.