Exactly, they know that a civilian can not navigate the system and legalese to any real effect. And trust me, you want to make sure as B said earlier to make sure that you are covered for the REST OF YOUR LIFE. My insurance offered me a nice chunk of change to finish my claim, and let them go from further responsibility. This was after about a year and a half of seeing doctors, and paying for medications, I shouldn't have let them go as I continued racking up bills for another year, but damn it was a nice chunk of change ...at the time
