Hello IAQ and welcome to HW. I worked for attys for over 20yrs in personal and worker's compensation. We also did medical malpractice claims.
I will offer you some advice from my own personal knowledge, but I am not an atty. You will have 2 claims; 1. propoerty damage to your vehicle and 2. bodily injury claim. The only money you will see up front is for your damage to your vehicle. They will not pay for your medical expenses as you incur them. Your medical expenses, lost wages and pain & suffering is how they deterrmine any settlement offer on your claim.
Each state is different on their laws concerning auto accidents. I don't know where you live but you can get online for your state and find out what the laws are. Usually when a claim is made with the city they have their own claim form and a time limit on getting the form mailed back to them. Find out if the city their has a claim form for you to fill out. Any paperwork you recive thats needs to be completed and returned to the city or insurance company, always make a copy and keep it for your records. You need to make a folder for all the accident related expenses. You need to find out what the time limit is for your state to settle your claim, thats called the statute of limitations. Here in Tx we have 2yrs to settle before having to file a lawsuit.
The city may want to take a recorded statement from you over the telephone. This is simply to get your side of what happened in the accident. Now a days nearly all ins comp take a recorded statment and the cities I dealt with required it. This is just part of the claims issues. DO NOT GIVE A RECORDED STATEMENT IF YOU HAVE TAKEN MEDS AND ARE GROGGY. Arrange a time you can do it with a clear head. You will be assigned a claim number on your claim with the city, this is how they identify you.
Yes, you could have gone to ER but at best a simple plain film x-rays would have been taken which would only show broken bones or a fracture. Maybe given something for pain and out the door you would have went. Don't worry about documenting your injuries, you did this by going to PCP's office.
From now on, stick with the PCP that knows you and make it very clear you only want to see him. He knows your previous history and he can make a determination on whats new since the accident and what was there prior to the accident. Request that your PCP makes a second chart with your accident date. I would make an appt and get in to see the PCP.
You may use your health insurance to get all of your medical treatment related to the auto accident. In return the health insurance company will subrogate at the end to get their money back off the top of any settlement. By law they are entitled to be reinbursed. This is called subrogation. You may get a letter from your health ins wanting to know if this is a third party claim and they will ask for that info which you will need to give them.
On your own personal vehicle you need to look at your insurance policy and see if you have Personal Injury Protection coverage. This will be an extra insurance you paid for and its a no fault insurance. You can file this and get 80% of any lost wages reimbursed to you as long as a dr says you are unable to work. Or you may use this to be reimbursed for any out of pocket medical expenses. You do not have to reimburse your ins coverage back if you have Personal Injury protection, its a no fault coverage. If you only have Med Pay, you really don't need to file it since you are using your health insurance for your medical care. Med Pay is what it states, it pays for medical expenses you pay out of pocket but at the time of settlement they get their money back. If there is any questions I can help with let me know. Susie