Many auto insurance policies have a limited 'no fault' medical payments provision of $5000 or so. Anything above that amount often needs to be pursued in court. This might be what she is referring to.

If I understand correctly, he was injured about 10 to 11 weeks ago. Other than an unresolved neck injury, he still has plenty of time for normal healing. Finding the right treatment for his neck will be more important than any imaging. Not much good at spending big money to find out xxx is wrong but there is nobody who can treat xxx. Finding somebody to help with his neck should be a top priority.