I got a elbow injury at my job. Did everything I was supposed to and told my employer. She contacted travelers and got the ball rolling. Went to urgent care dr who referred me to an ortho. He ordered x-rays,mri,emg/ncs. Going on the 17th of this month for results. I don't have a lawyer. Do the insurance companies usually offer a settlement or does that happen when you feel you're not being paid correctly or having your needs met? I will probably end up needing surgery on my elbow. I have no desire to sue the insurance company. I just don't understand how this all works. Things seem to be going smoothly for now. What if I dont need surgery.. will WC cut me loose and that's the end of it?