First of all, if your wife's pelvic deformity heals, it may constitute a disability, mainly depending on the degree of deformity and functional damage. If the other party has no right to stop you from going to any appraisal institution, then negotiate according to the procedure. If negotiation fails, draw lots or draw lots. In addition, you can also apply for three-stage appraisal (delayed construction period, lactation period and nutrition period) for disability appraisal, and the general results are OK, so as to avoid the nonsense of the other insurance company after a long time.
Secondly, I still suggest hiring a lawyer and not advertising, because there are not thousands of dollars. Because yours involves disability assessment, your wife's injury may not be assessed. Lawyer network is better (you know this). In addition, when settling accounts, lawyers will be more professional, and the lawyer fees you spend will help you earn back, especially for disability assessment. It's dangerous for you to go alone. Ask the lawyer to buy a rest assured and let him operate.