Ask a Neurologist and Get an Answer ASAP
Hello, I'm Dr. Mark. I am board certified (USA), and have twenty years experience. Please allow me to review your question.
Your insurance company can ask for whatever they want -- but that doesn't mean you can't have your doctor answer their question.
They can say that it is more likely than not that you have permanent damage.
For lawyers, you don't have to have 100% certainty. You just have to have more than 50% certainty. So your doctor can write that you have permanent damage to the brain based on radiologic criteria, and that it is likely, within a reasonable degree of medical certainty, that you will have a degree of cognitive impairment as well.
(this is generally valid here in the USA, for lawyers in the UK, you may want to ask them specifically here in the UK law group).
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Best wishes for your health.
This could be from an issue with carpal tunnel syndrome, or a "pinched" nerve in the neck, or less likely from an injury to the sensory cortex in the brain.