I got similar letters for back issues I have. Pushing my 6.0 on the trailer in my yard set off my lower back. A couple of years later a new Dr. orders an MRI, we find the disc is messed up. Then I start getting the lawyer questionnaires asking for clarification on how it happened. I wasn't sure if they wanted to go after my boat or homeowners insurance. I threw two of the letters out, then my company changed insurance and that ended it. The lesson I learned is to avoid giving the history on how it happened. Just say "I don't know, it was just sore when I woke up this morning..."!