Insurance companies to be dealt with and issues include:
 

The Insurance Company for the negligent person.  This company is called the third party carrier. This company provides insurance coverage for negligence committed by their insured. When you are injured because of another person's negligence your recovery will come from the third party carrier. Barriers to fair recovery include proving the other person or entity is negligent and this negligence caused your injuries. These are the liability and causation barriers. 

Next comes the appreciation of the nature and extent of your injuries. Often the third party carrier will argue your injuries are really preexisting conditions or they were caused by another event.  Even when causation is established the third party carrier rarely agrees your case is worth what you believe it is worth.

Your Insurance Companies.  The third party company will usually not pay your medical bills for necessary medical  treatment related to your injuries until the end of the case. This means you will be dealing with your insurance company to initially pay your medical bills. When you are injured in a motor vehicle collision your automobile insurance policy often includes provisions for payment of your bills for necessary medical treatment.  Your insurance policy likely has a provision allowing it to have you go through a medical  exam to determine if your treatment is necessary.  After the exam, your insurance company may argue your medical treatment is no longer necessary despite the fact  your doctor disagrees. Assuming your automobile insurance company pays its insurance limits for your necessary medical treatment (usually $10,000), your health insurance company likely provides coverage for your continuing injury related medical bills.  Continuing payment must be coordinated with your health insurance company. Both of your companies will have a provision stating you must pay them back for the injury related medical treatment they paid for from your recovery from the third party carrier. This is called subrogation. Depending on the facts in your case sometimes your companies have a right to subrogation, but at other times they do not.

Uninsured/Underinsured Motorist Coverage.  When the negligent third party has no insurance he is uninsured and most likely incapable of  paying for his negligence. When he has insurance coverage but it is not enough to pay the full value of your claim he is underinsured.  Either way your recourse is with uninsured or underinsured coverage.  This is usually in your automobile insurance policy. In this situation you have all of the above issues except you are also  dealing with your company on compensation for case value.

To deal with insurance issues you need a lawyer who regularly practices in the field of injury. Pat Trudell is a personal injury lawyer with a staff trained in dealing with insurance companies in matters such as payment of medical bills and interacting with your insurance companies in your best interest. Pat Trudell and staff handle all your insurance issues,  obtain fair value for your claim, and determine what if any subrogation rights exist. You are  free to concentrate on injury recovery.