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The other person is at fault. Why isn’t their insurance company paying for my medical bills?

Unfortunately insurance companies don't pay bills as you incur them. Insurance companies will argue that the doctors billed unreasonably, that some of the treatment you received was unnecessary, etc. They can't fight it if they have already paid it. Also, they want to make you prove that your treatment was related to your auto accident and was not a preexisting issue for which you were already receiving treatment. Insurance companies for the negligent parties will offer one lump sum settlement at the end. They will review all of your records and bills and make an offer based on their overall evaluation. 

This is why we recommend that if you have health insurance or PIP benefits, that you use those. That can help offset some of the upfront treatment costs.