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How can I get my auto insurance to pay for medical treatment two years after accident?

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I was treated right after the accident for whiplash. It’s in my medical records but then was unable to go to treatment for some time because of other problems but injury got worse now the chiropractor won’t work on me because he says the insurance company won’t usually pay after this time loss. Also the auto insurance company won’t preauthorize treatment and I can’t afford the a visit co-pay required for using my health insurance. I’m on Social Security.

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