HOUSTON, TEXAS -- On February 5, 2003 I was driving near downtown Houston. Suddenly I was hit from behind, and my head snapped forward. I saw that a guy in a Time Warner Cable van had hit me. He apologized to me, admitting that he had not been looking where he was going. I received whiplash as a result, and I've been seeing a chiropractor ever since. The whiplash screwed up my jaw, and now it's locking up. It's painful to chew or even talk. The pain is so bad that sometimes my whole head will just ache. My chiropractor bills thus far are $1,150. When I told the insurance lady from Travelers Property Casualty, Beth McConnell, that I was interested in a settlement, she told me they would only give me $500 over my medical bills. I told her that this hardly seemed fair, because I have the inconvenience of having to see the chiropractor regularly, not to mention the chronic pain in my jaw. She was very unsympathetic, telling me that I would most likely not even get the medical bills paid if I took it to court. I'm not asking for a massive amount of money. All I want is what's fair.