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Which Insurance Company Pays?

 

A: It may seem counterintuitive, but if you are a pedestrian or a bicyclist and you are hit by a car, your medical bills should be submitted to your own car insurance company even though you weren't in a car. So, if you have health insurance, you don't send the bills initially to your health insurance company, you don't have to go through a primary care doctor in order to see a specialist.