The single most important workers' compensation right is that to select your own treating physician. You have the right to pre-select before injury a doctor who can treat you if you are ever injured. Because despite all the accusations that you will confront that you are exaggerating or malingering, you want the best doctor you can get to help you get well as quickly as possible.
Money is no substitute for good health and a good quality of life.
You want a doctor who listens to you, not the insurance adjuster. You want the doctor to try and do everything he can to help you, not believe his most important function is medical cost containment. You want a doctor you can trust. Reality is none of us bites the hand that feeds us. If you were referred to the doctor by the insurance company or by the employer, you need to realize they probably have a longstanding business relationship with each other.