here was my expereince - the kids and i were rear ended last year. none of us were seriously hurt and I reported the accident to my insurance company and later that day we went to visit the chiro. The kids went for one treatment/exam and i went for a couple of chiro and massage therapy treatments.
chiro and massage treatments were directly billed to the insurance company. several months later the insurance company offered me some money for my pain and suffering - even though it was likely a low ball offer, it was hard to justify asking for more as we missed a half day of work and school.
obviously your situation sounds more severe than mine was. Hopefully everyone in your vehicle recovers.
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