Wow, sorry to hear about your little one's injury.

First, since your daughter was bleeding, the insurance company considers her injured.

In my opinion, the ER was negligent with their examination of her. If her forehead was bulged out, this sounds like a head impact/injury. Some physicians think toddlers will recover without intervention due to the young age of their brains so they may be less concerned about them.

It sounds as if she should be assessed for occupational therapy. Her age makes it difficult to diagnose specific head injury related symptoms. You might be wise to also look for a pediatric neuro-psychologist.

Please, do not rely on your teacher training to try to diagnose her. get a professional to check her out. Mother's intuition and concern should be enough to push for a serious work-up.

fwiw, I would guess the $800 was for the ER visit and not the max payout. PIP/medical payments is usually $5,000. This should leave room for some serious diagnostic work.

My best to you and little Allie.