[cmspaz]

Fighting with insurance companies is a PITA, been there done that after stuffing my VIII at BIR. As you seem to have realized, every lawyer will take ~1/3 of any settlement... I was at a point in my fight where if I had to LAWYRUP (I know some people here will get that) I would still have been out the same amount of money once medical had been paid out, but the difference would have been the ability to get what I wanted out of my insurer in the process, so I was prepared to do it on principle. I just got lucky that it didn't come to that.

At the end of the day, I'm not sure how much room you have to do anything at this point, since technically by taking the payout on collision you've settled with them on the claim... Medical usually pays out first.