I was rear ended by a Geico driver and they car had a total of $587.00 in damage. I went to the Emergency room and also a Chiroprator I was having Neck and upper back pain. The Chiro took X-rays and my neck bone has moved outta it's normal place. Geico is telling me there not paying for the Chiro bill or missed wages because I didn't need to go to the Chiro. But they will pay the Emergency room bill. And since they are not paying the Chiro they are gonna give him 50% of my Emergency room Bill. Is it right for them to tell me how my body feel?? Is this Legal?? What can I do from here?? Thanks everyone.

With the impact being very minor (Just over $500 in dmgs) I can understand how they do not feel that the accident caused your neck bone to be "moved outta its normal place" as you put it.

If this was the case the ER would have noticed this when they exmained you and obtained xrays.

If you have health insurance, or medical payments on your own auto policy, make the claim with your insurance carrier and let them attempt to collect the money back.

If you retain a lawyer to handle the claim for you, that still does not mean Geico will pay you.

I agree that you need to get your company involved. I don't know that it is necessary to SUE SUE SUE like some are saying. That isn't the answer for all problems. Have your company contact them and hopefully they will step up and do what is right to settle your claim. If they don't, your insurance can make recommendations on what further action is necessary. Good luck

SUE, SUE, SUE. If you're telling the truth and you have a legitimate claim, a lawyer will represent you. If not, they won't. By the way, my wife is a claims adjuster and she won't pay out on chiropractors either. She thinks they're quacks and I have to agree. Go to a legitimate MD, an orthopod, and see what they say.