@Expectations thank you for sharing your concerns. I have escalated this to a subject matter expert to review further. They will be following up with you in the next 2 to 3 business days.
I was rear ended about 10 years ago. Once I secured my valuables from my vehicle, which had the trunk crushed into the backseat, I went to the ER. I had to make copays of over five thousand dollars befor I found an attorney who immediately issued a LOP (letter of protection) to the hospital that held any further billing in abeyance until litigation was completed. As it turned out I had two cracked vertebrae in my neck. I had to fire my first attorney for poor performance but a friend referred me to an excellent lawyer who saw to my treatment. USAA made an initial offer of five thousand dollars which didn't even cover the hospital copay. My attorney brought about a settlement that made USAA's initial offer laughable. My advice is to find a good attorney immediately but becareful who you employ and a referrence from someone you can trust is critical. Lawyer up now.