At-fault driver's insurance fixed my truck but is ghosting me on my medical bills — normal??

Oh man, this is almost exactly what happened to me two years ago. Property damage gets handled pretty fast because it's straightforward — they just write a check. Injury claims are a whole separate animal and yes, usually a different adjuster or even a different department entirely. In my experience they're not going to call you. You basically have to keep pushing, which is exhausting when you're also dealing with feeling terrible.

The silence is not an accident. They're hoping you'll either forget about it, get frustrated and go away, or settle for way less than you deserve because you're desperate for any money. Don't give them a timeline of your symptoms in casual conversation with them either — every word you say can be used to minimize your claim later.

I'll be real with you — property damage and bodily injury are almost always handled by completely separate adjusters and sometimes entirely separate teams within the same company. The person who cut your repair check probably has zero visibility into your injury claim, and vice versa. Also, injury claims tend to sit in a queue until you push them. That's not always malicious, it's just volume. But you do have to push.

A couple of practical things: Start documenting every single contact attempt — date, time, method, who you reached or that you got voicemail. That log matters later. Also, most states have regulations requiring insurers to acknowledge claims and respond within a specific window. If they've blown past that you may be able to file a bad faith complaint with your state's department of insurance, which sometimes gets their attention faster than anything else.

Not legal advice, but — you're at the point where a free consultation with a personal injury attorney is genuinely worth your time. Not because you're necessarily going to sue anyone, but because once an attorney sends a representation letter, adjusters tend to start returning calls. Most PI attorneys work on contingency so there's no upfront cost. The ongoing symptoms and specialist involvement suggest this isn't a simple soft-tissue case that's going to resolve in a few weeks.

Stop leaving voicemails. Send everything in writing — email — so you have a paper trail. And honestly, at this point you should just talk to a PI lawyer. Most people wait way too long. The consultation is free, it doesn't commit you to anything, and it's the fastest way to figure out if you're being strung along.

This sounds so stressful on top of already feeling awful from the concussion. I'm sorry you're dealing with this. The fact that they went completely quiet after paying for the truck repair feels really wrong to me. Please don't just let it drop — you deserve to have those medical bills covered.