I was treated right after the accident for whiplash. It’s in my medical records but then was unable to go to treatment for some time because of other problems but injury got worse now the chiropractor won’t work on me because he says the insurance company won’t usually pay after this time loss. Also the auto insurance company won’t preauthorize treatment and I can’t afford the $30 a visit co-pay required for using my health insurance. I’m on Social Security.

I doubt you can since you refused treatment at the time of the injury.

It could easily be argued that your present situation is your choice, caused by you refusing to receive treatment when it was initially made, not the accident itself.