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In response to "I don't like that side of things either, but I don't think it's unique to medical insurance." by TFox

Say somebody rear-end your car. They are clearly at fault, the estimate to fix is $2k. Would you put up with months of unanswered phone calls, "lost"

paperwork, etc? No, you damn sure wouldn't. You would expect to see an estimator within 24 hours followed by a check or approval to have the damage fixed as well as them covering a rental car for the time yours is out of commission. Get real.

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