I request bills/records all the time from a lot of different providers and billing companies, and I deal with subrogation issues with private health insurance, Medicare, and Medicaid. The turnover associated with those jobs is incredibly high. Most billing departments are incompetent AF, and the people in charge of them don't usually give a f*ck. Same goes for the subrogation departments for private and public health insurance.
Another thing I see a lot. Provider gets paid in full by PIP. Provider also gets paid full contractual rate by patient's health insurance. Getting a refund to the patient's health insurance carrier, or to PIP, for the double payment takes for f*cking ever 90% of the time, and 100% of the time it's like pulling teeth. Zero chance the double payments are ever corrected by a provider on their own and without being pushed to do it. It's not even a greed issue, there's almost no chance the doctors even know it's happening. The billing departments are just completely incompetent.
In car accident cases, there are most likely millions of dollars a year double paid to providers and I bet 5% isn't ever refunded to one of the paying insurances.
No one gives a ****. Honestly, I don't give a **** until the patient's health insurance company won't remove a charge from their lien until they get a refund from the provider.