Last January I was involved in an accident that was not my fault, since my health insurance and car insurance just keep throwing my medical bills back and forth. No one wants to pay them, so now I have a collection agency after me for the medical bills that should have been paid. Why have insurance if they won't pay anything. What can I do to get one of them to pay these and how can I get this taken off my credit history? I really don't think I should be penalized for them not wanting to take the responsibility for what I pay them for. I know someone will tell me to appeal them, tried, no luck. Of course why would they change their minds, they made up their minds, and they are who you appeal. I am very upset with Insurance, I pay for my health insurance, it's not covered by an employer. What good is it? Anyone have any ideas? If you are going to slam me, save it, PLEASE.