@Madison85 - Unfortunately they can’t be 100% certain the stroke was caused by the car accident. I did get reimbursed for the direct medical costs of the broken elbows but nothing else. So the $13k is unreimbursed. The accident was at the end of 2018 so covered in my data for FAFSA, the stroke was 2019 so impact to my income from being out of work and subsequent medical expenses will not show up until the next FAFSA. I am lucky that I had good disability insurance.
Thank you, everyone, for the advice!