a recent true account of car insurance vs hospital bills... in case you're convinced that you've got enough insurance to cover a crash and the injuries it causes

example of a paragraph from the article:

 Geico generally pays rates set by the state — which are dramatically lower than what was charged. But Gottlieb’s bill included billing codes not on the state schedule. For most, the insurer paid exactly what was charged, for example allowing the full price of $39,195 the hospital charged for nine surgical screws.

https://chicago.suntimes.com/consumer-affairs/2021/4/22/22397673/insurance-car-wreck-medical-bills