Insurers spent $171 million on “insurer initiated assessments” for victims who were injured in accidents between January 1, 2011 and June 30, 2013. During that same time period, insurers spent $359 million on treatment for that same group. For every dollar that insurers spent treating someone to help them get better, they spent almost 50 cents assessing them. Those assessments, which often lead to denials of treatment, have a huge negative impact on a victim’s emotional well-being and help to create the adversarial first-party benefits system that often forces victims to litigate with their insurers for years in order to obtain necessary treatment. Thus, for every dollar spent helping a victim to get better, 50 cents is spent making them worse!