I am in the midst of dealing with two different insurers, as a result of a couple of crashes. The MAIN goal of the adjuster is to get ANYONE else to pay first, you have to go through your company benefits, if you have them first, then once that is exhausted if you have private benefit package that pays then and only then the insurer pays.
My one insurer has spent over 33% of rehab payouts just to "prove" that I am fine, and as such need no rehab. I too am self employed, so good luck on getting any IRB, (Income Replacement Benefits), while your off work, (currently they are about $18,000 in arrears). When you sue, IF you get a settlement they insurer then has a "secondary deductible" of $47,000!!!! They say if you win a $100,000 settlement after you pay the deductible, lawyers, and any "specialists" the injured party is VERY lucky to walk away with $10,000.
The insurers goal is to get you "off their books" within 24 months, meaning NO more treatment, etc, regardless of what long term injuries you suffer from.
My clients often ask how I am doing... my standard response is well it depends on who you ask..
If you ask my lawyer... I am on deaths door.
If you ask me.... I am coping and struggling daily.
If you ask my adjuster.... I am 100% NEVER been in this good of shape... ALL thanks to the excellent therapy THEY have provided... LMAO