I’m not sure of the exact amount but it’s pretty high.  My insurance company doesn’t pay nearly that much though and everything seems to work out.  Maybe it’s some kind of game that they have to play with insurance to get what they should get.  My friend’s husband is a doctor and she says that they pay so little.  I posted on the board that I gave another doctor X-rays to look at and he went over them really carefully against pictures in a book and they gave him $18.  Try getting an opinion from a car mechanic or a TV repairman for that much money.