Well, it's all about timing. Payment is not waiting with an insurance company to be billed, but it is attached to a legal case that can take a year or two to be settled, and see a settlement check. Attorneys negotiate, liability is put up for grabs, and paperwork piles up, all while your receivables continue to quietly grow in the background. Many practices eventually abandon hope of these balances and give up. That's exactly the gap solid personal injury collections fill, keeping every case tracked and active until the money actually comes through.