I was hit by old dump truck (covered by Progressive) while driving on the interstate. It put me in a spin and I t-boned a pickup and then ended up down an embankment backwards. He kept driving down the highway until something flew off his truck and struck the Honda that had been behind me and witnessed my accident. She told him what he had done to me and he drove back to the site of my accident. The State Police found over 15 violations on the truck and towed it away.
I suffered neck and shoulder injuries. I tried alleviating the pain with 6 months of physical therapy until the therapist referred me to an orthopaedic surgeon. I then had shoulder surgery to fix a separated shoulder and several tears in the labrum.
I kept my insurance company informed of my medical progress and didn't even talk to Progressive. They called me and I told them I was under a doctor's care and would contact them when I was released. I decided to hire an attorney and was glad I did. I gave them all of my paperwork and he got me an excellent settlement. There is no way I would ever attempt to collect from any insurance company when I'm involved in an accident. Sure the 1/3 the attorney gets really sucks but all insurance companies will screw with you at every turn.
Also - the medical coverage on your own policy is worth every penny! I collected $10K + $10k because there were two vehicles involved and my medical bills were over the $20k mark. I had never had medical coverage until I was covered under my 2nd husband's policy. Now, I will never drive without it. The medical coverage is not subject to subrogation (sp) even though my health insurance company attempted to collect those funds. My attorney didn't even get any of the $20k! Pay the extra for that coverage.