The answer that lawyers give me when I treat such a person is; what is nessesary to make the person whole again.
The Insurance company of course has a different opinion. Try to find as much heath record proof of you health before the fall and ask your health care providers for referral to a lawyer that works for your best interests. Some will just make a compromise with the insurance company to get paid with minimum effort.
Hans Albert Quistorff, LMP
Antalgic Posture Pain Specialist