Randy,
Sorry to hear about your close encounter of an
unfavorable kind. Having been through this many
years ago and suffering latent spinal problems (almost
paralyzed from the chest down from calcium deposits
in the affected area 3 years ago), don't rush to settle
anything until you are reasonably sure you are ok.
I was very lucky that I had the good Lord healing me,
an excellent neuro-surgeon, and for financial considerations-
an excellent Kaiser plan. I had just brought my Cobra
home when I went in for the first of three surgeries.
It was a great beginning to walk again and better yet -
have the coordination to drive the 5 speed. Didn't need
no stinkin automatic!
Be cautious with the insurance agents and best of luck.
Flip