Pretty sure everything after the first two sentences is sarcasm.Your uninsured motorist coverage will kick in. Like you said, you are in for the 1k deductible. I think your neck is not as good as it was, and is now getting stiffer. You should visit your doctor and get a referral to a good chiropractor and a physical therapist. If you injuries stop you from being able to work, that too is 100% reimbursable.
I don't think people recognize sarcasm as easily as they did in the past.And people wonder why rates continue to jump. Stupid **** and stupid advice like this is why.