Correct to both questions?
The reason I ask about the accident is that, if there was another driver involved in the accident and you were not at fault, medical expenses could be covered by the other driver’s insurance. You would have more than workers compensation coverage.
Whatever the case, you should not have to pay for an unnecessary, unauthorized, and potentially harmful medical procedure. You could have a legitimate medical malpractice claim but the best way to determine this is to have the facts personally reviewed by an attorney in your area.