If the insurance company is taking the position that you weren't injured in the accident and thus that you aren't owed any money for injuries, you can either attempt to negotiate with them to see if they change their mind or you can sue the driver who caused the accident and try to prove your case in court.
When somebody receives treatment from a chiropractor and only from a chiropractor, an insurance adjuster is going to view the claim with a jaundiced and skeptical eye.
To avoid conflict of interest issues, your first party claim is handled entirely independently of the third party claim.

