The biggest misconception for people is that they have $50,000 in medical rehab. People assume this means that they are entitled to $50,000 worth of treatments. The insurer will almost always place you in what they term the MIG, (Minor Injury Guidelines), unless you have suffered a MAJOR brain injury. The MIG gets you $3,500 TOTAL rehab. (this includes assessments etc). End of story period. To get out of the MIG is a VERY tough fight and you WILL need a lawyer. I am currently scheduled in two weeks for our second round of mediation. A mediator, (who is acceptable to your lawyer and the insurer), will listen to each sides arguement as to why treatment is and is not required. The mediator "MAY" speak to you during the call, (mediation is always done via a confernece call). If the mediator agrees that treatment is warranted they will order the insurer to pay for it. (you will have had a supplier submit a "treatment plan", (normally for about $2000 - $2500 depending on treatments and number of sessions). Once that treatment plan is done if the supplier feels more treatment is required you submit another treatment plan. The insurer will almost certainly deny, so back to mediation you go. You can go through 5+ mediation sessions, about that time the insurer will generally try to "settle" they will offer say $5,000 cash for future treatments just to close the claim if you accept and still need treatment after you have used the $5,000 too bad you can't go back.
My lawyer says he has seen even people who have lost a limb be placed in the MIG and have to fight and fight and fight to get treatment. Rarely does anyone get the full $50,000 for rehab.
But when they "sell" you the policy they make it sound like it is an auto limit of $50,000 for treatment.