How horrible for you. You need to go and speak with a personal injury attorney a soon as you can - like yesterday.  You were obviously taken advantage of by the insurance adjusters here and I am fairly certain that in most states and jurisdictions that kind of behaviour is looked at by the court as unconscionable and that your rights have been compromised.  That could mean that you could in fact be able to continue treatment, etc.  And there are issues of your right to sue for the injuries as well.  Please go and get help.  Bring with you all your documentation as to treatment (or at least the names and addresses of the treating physicians, etc.) and any documents you signed for the insurance company. Good luck to you.