Fee Arbitration for Auto Insurance to pay medical bills in Auto Accidents Posted January 3 · Report reply 1 minute ago, RetiredinVA said: So, you are asking: if the doctor takes his claim to arbitration and loses the arbitation, are you liable for the doctor's bill that accrued after you were determined to have reached maximum medical improvement. I assume the issue in arbitration is whether you have, in fact, reached MMI. If it is determined that you have, it is essentially a determination that further medical treatment was not medically necessary or appropriate. If that is the case, it would tend to excuse you from paying the bill. BTW, in my practice, this has usually involved chiropractors who continue treatment until the patient or the chiropractor dies. Is there a chiropractor involved here? Oh okay I think I understand. So in other words if I am to determined to have reached MMI, then I don't have to pay anything because it was the doctor's choice at the end of the day to choose to continue treatment? Also, no there is no Chiropractor and my doctor hasn't recommended that I get one. I have went to see a spinal surgeon for a second opinion and he told me that even if he was to do surgery, the injury would either stay the same or get worse.