I agree that you need to talk to a plaintiff's lawyer. They would take your case on contingency where you pay nothing and they take 1/3rd. Further, the case might not prolong your suffering. The attorney does all the negotiations with the insurance adjustor and only if they can't settle does it end up in court. Even then, they involve you only 5 times or so. Review the complaint, review the discovery responses, prepare for deposition, deposition, trial. Also, even if they file suit, that doesn't mean that your case still won't settle beyond a trial. When I mention the cost of the shots, I meant the out of pocket cost of the shots, not your insurance deductible. Your health insurance likely has a right to be reimbursed for what they paid on your behalf and would be an interested party in your case too. This isn't small claims. This is regular court. Get a free consult with a PI attorney.