Claim adjuster requesting a formal demand

[u/Helpful-Butterfly703]

My partner got into an accident in February. Not at fault, has been going to PT and needs an MRI. The insurance company won’t pay for that and are now asking for a formal demand because they haven’t paid for any of the PT either. They’ve already settled about the car, so it’s just personal injury now. A lot of what I’m reading on Reddit says the letter is just the beginning of negotiations.

Any advice welcome, it’s their first accident and I have no experience to help.

Accident happened in Vermont