1. Your bills are unreasonable.
 
2. We donâ??t believe all your treatment was necessary.
 
3. We think some of your bills are unrelated.
 
4. We havenâ??t received all of your records.
 
5. Your bills donâ??t have the proper codes.
 
6. Weâ??re having your bills analyzed.
 
7. Weâ??ve determined that the reasonable value of your bills is substantially less.
 
8. We canâ??t pay [...]

1. Youâ??re free to have this matter arbitrated.
 
2. Iâ??ve been an adjuster for over twenty years.
 
3. Thatâ??s the most we can pay on this type of claim.
 
4. Thatâ??s the most we can pay for that type of treatment.
 
5. Youâ??re not entitled to pain and suffering for that type of medical service.
 
6. Iâ??ve spoken with my [...]

1. Since you werenâ??t wearing a seat belt, thatâ??s not a bill we can pay.
 
2. Since you didnâ??t see a doctor for some days, thatâ??s not a bill we believe we have a responsibility to pay.
 
3. Since you didnâ??t complain about pain in that part of your body when you were seen the very first [...]

1. Our photocopy service hasnâ??t been able to copy all of your medical records yet.
 
2. Weâ??re still investigating your accident.
 
3. Weâ??re having our special investigative unit look at the claim youâ??ve submitted.
 
4. Weâ??re waiting for your doctors to complete the report forms that weâ??ve sent them.
 
5. We donâ??t feel that the doctor bills match up [...]