You're right, I may not get anywhere with allstate, which is sad since they accepted money from the girl who hit me in exchange for covering her liability in the case of a negligent accident. Had she knocked my car into someone's yard and crushed their yard gnomes, Allstate would have made those people financially whole again, instead of just glueing their yard gnomes back together and giving them back to them...so it seems odd that they would have a problem making the direct victim financially whole...but that's ok, my back is hurting pretty bad, and a few MRI's cant be cheap, so Allstate isn't off the hook yet. Everyone is going to be treated fairly here, one way or another. If they won't cover my financial pain, they'll cover my physical pain...and the law is very explicit about them being liable for THAT.

Serves me right to expect an insurance company to do what is right. They aren't in business to do what's right, and follow logic...they're in business to make money. Allstate has sure scammed this poor girl who thought she was covered in the event of an accident.