The thought can be quite shocking to accident victims when they first learn it. "Why would someone hurt in an accident have to pay back their insurance company for covering medical bills?" Most people believe this coverage is already compensated through years of paying premiums. However, many insurance companies will seek reimbursement once they have paid medical bills. Bill Coats Law hosts a YouTube channel with a video about what to do if you are in this situation, and sometimes, a legal advocate is your best bet for arguing a fair claim when things get complicated in auto accident claims.