business. They'll tell you that you're really hurt, and they'll treat you for as long as insurance will pay for it.

I'd see a real doc. Get a referral to PT.

on the question of whether to make a claim - don't demand anything yet. You don't know the extent and nature of your damages yet. So hang on, don't say anything, don't admit to anything, and don't accept anything. See what doctors say first.