1. Youâ??re not entitled to pain and suffering for those kinds of treatment.
 
2. Having an attorney would only cost us more money. You donâ??t need that, do you?
 
3. You really shouldnâ??t have needed more than a doctor visit or two.
 
4. We donâ??t think you could be seriously injured with only a couple of thousand dollars [...]

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. We need to obtain all your previous medical records.
 
2. We need to have you examined by one of our quacks, I mean doctors.
 
3. Weâ??d like to take a recorded statement from you and ask you everything that was done on each visit with your doctors so we can pay for only what we think [...]