You know I know a lawyer that works with a chiropractor and because they are asian, you know where I'm going with this. You don't even have to go to their clinic for a chiro check up for 3 months and they do all the paperwork for you and you get payed. Everyone gets 1/3 of the cut for your pain and suffering.
but, you are an honest boy scout so this practice should be shamed but still though, some people sees these insurance companies as thieves and if they can screw them over they would. Either you or them. Some people even rationalized that these insurance companies are in the millions so they paying you out is like chump change to them. Besides, you are not going after the other driver. You are going after their insurance company.