[harleyquinn]

It's disgusting what the insurance companies try to get away with. NY State is a no-fault state (which is a whole other issue I have, but I digress). 3 years ago when I was a passenger in a taxicab we were hit by a drunk driver. Luckily I was not hurt, but I went to the hospital anyway just to be sure (something I learned from my mother who was a paralegal). It took me 2 years to get the insurance company to pay the $180 in hospital bills I had. I could have afforded to pay it, but I didn't feel I should shell that out for the privledge of being hit in a cab by a drunk. They tried every trick in the book but when my lawyer sent a letter to NY State, suddenly the insurance company claimed they never got the bills and paid them right away. A total lie, btw, since I had the signiture from a certified registered letter I sent to them with the bills in them.