Doctors allotted by the insurance firm are famous for saying, in the report they are paid large USD to execute, "There is no objective basis", for your grumbles. Rock Solid Insurance can't demand that you submit to their doctor for an exam unless your claim really becomes a formal court action. You and I Powerful is all wound up and on the offensive, rambling on and on about how your wounds were not major. I have talked to folk like you, day in and day out, for over 20 years. People who've gone thru exactly what's happened to you, with the same kind of claim as yours.
At that point he predictably states, "Look, I will tell you, after handling thousands of cases like yours, the pain you have had, for a pair of days at the most, are comparatively minor. The duration and severity that relies on a number of factors : the kind of individual you are the final results of the injury you sustained, and the life pressures or strengths you are experiencing at the time of your injury.
Here is a educational item all about car insurance estimates
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