I am a CA lawyer. You have a signficiant injury. Since the insurance carrier denied your claim, and is not treating you in a fair manner, you need to level the playing field. What that means is that you need to hire a lawyer right away (here is my bad analogy - would you step into a boxing ring to fight Mike Tyson; of course not, you would hire your own professional fighter). Search this web site for a lawyer, or ask your friends for a recommendation. The sooner the better.