I was rear-ended 7-31-06 with the statute running out 7-31-08. I still have not sent the adjuster my demand for P&S compensation. I plan to send this ASAP, with complete documents including medical reports, photos, etc. I realize it is very late, but I wanted to wait to be sure I was recovered as much as possible (only have soft tissue injury). My questions: Is it too late? Is it good to request they answer within 15 days? Are they obligated to settle with me? I don't have a lawyer and would like to avoid that if possible. Any advice is appreciated.