Consumer Protection Law
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Even though health care providers generally bill insurance companies for the patient, so that the patient doesn't have to deal with being the middle man, it is ultimately the patient's legal responsibility to make sure that any outstanding bills are paid. Moreover, there is no legal obligation for the health care provider to bill the insurance company directly (absent a clause in your contract that states that the health care provider will do that). Accordingly, just based on the facts that you shared, it does sound like the chiropractor has not done anything wrong. If I were you, I would submit the bill to the insurance company yourself. The insurance company should be willing to pay the bill now provided it was covered at the time that you were insured.
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The fact that there is no lawsuit from the car accident does not change my answer. The chiropractor is owed money for his services, and your insurance company is required to pay various medical bills for the period that you were covered.
Accordingly, I would submit the bills to the insurance company.
I hope that helps. Please let me know if you need further clarification, and please remember to provide a positive rating via the stars (and note that your positive rating is the only way that I'll get credit for helping you, so it is much appreciated!). Thank you. :)