Should I ask the insurance company's adjuster for advice regarding my medical care?

A: No.  Keep in mind that the insurance company is in business to make money.  The less that company pays in claims, the more the company makes.  To that end, the adjuster's job is to pay as little for your claim as possible.  Therefore, any advice they might give relating to your medical care will be heavily biased by the insurance company's profit-driven goals.  The less medical treatment you seek, the less they have to pay.  The bottomline is that the insurance adjuster does NOT have your best interests in mind so don't seek their advice.