Reason 2 (Debt)

If you use any regular (non-auto) medical insurance or similar government benefits to pay any of your medical bills, you will probably have to pay that money back to your medical insurance company (or governmental agency) later OUT OF YOUR SHARE of any settlement money you might get in your case or (if any money is left) out of your auto insurance benefits that you should have used to pay those medical bills in the first place.  In that sense, the money that comes from your regular (non-auto) medical insurance (or government-type medical benefits) is only a "loan".  So in the end, your regular (non-auto) medical insurance or similar government benefits do not "pay" a larger percentage of your medical bills than auto insurance would ultimately pay, because medical insurance companies and governmental agencies only "loan" you money to pay your medical bills, and ultimately they "pay" nothing at all.  So, if you get a "loan" from your regular (non-auto) medical insurance or governmental-type medical benefits to "pay" your medical bills, then you "yourself" ultimately pay your own medical bills out of your share of any settlement you might get or (if any money is left) out of your auto insurance benefits that you should have used to pay those medical bills in the first place! See paragraph #67.