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As stated in Part I of this series, many insurance carriers attempt to minimize services chiropractors perform. While there are many reasons that the insurance carriers would make such an assertion, the principal reason is that when chiropractors provide care and treatment to those who suffer injury as a result of someone else’s negligence, many of the services physicians and surgeons would deny these individuals, chiropractors will work closely with them to both provide the care they are able to provide and coordinate care with physicians and surgeons willing to assist in the co-management of such cases.