Auto Insurance Claims: Full Payment for Medical Bills, health insurance company, general damages

Question
Hi, thanks in advance for answering the question.  I was recently involved in an auto accident and have incurred approx. $3500 in medical expenses for dr. visits and 1 MRI.  The other driver was at fault, so I will be settling with their insurance company.  I wanted to find out if the insurance company is able to apply "usual and customary" limits to medical bills when calculating their settlement.  For example, my MRI had a full rate of $1650, but I had to submit this through health insurance (who will subrogate later), which paid $450.  When settlement time comes, can the other insurance company only offer me $450 for the MRI (vs $1650) since the lower rate is "usual and customary" and is what ultimately the amount my health insurance company would want back?  This issue would apply to all my bills ($3500 in total).  Thanks again for the reply.

Answer
Yes, they can.  They will calculate what they consider reasonable and necessary cost of medical care, lost wages, and then add in general damages which include pain, suffering, aggravation, etc.  This will be a negotiation.  Do not accept their first offer.  Provide a counter offer and explain why you think your claim is worth more.  Also, there is a chance the adjuster will make an error and use the full rate of the medical care.