What are my rights if an insurance company neglected me?

You need a personal injury attorney on board asap because there are hard deadlines to sue under these circumstances.

Under Michigan law, you have actually two (2) separate claims. One claim, for "economic losses," is against any auto insurance that you have, or if you do not have an insured auto you go against the insurance of a resident relative. If you do not live with an insured relative, you claim against the insurance of the car you were in; and if that vehicle is not insured, against the truck that hit you. The claim for "economic losses" is to get your lost wages, household replacement services, medical mileage, for up to 3 years. Your expenses for accident-related medical bills is good for life, at the present. Your claim for "non-economic losses," which are 1) pain and suffering, 2) impairment of your activities of daily living, 3) embarrassment, 4) frustration, etc. You make that claim by suing the truck driver AND the truck owner, and possibly the company for which the driver was working at the time. Do not try to do this yourself, because you will screw it up. Get a competent lawyer.