Sure but imagine you hire a landscaper and they send you a $40 invoice for $20 of law cutting and $20 of leaf cleanup. You go look outside and see a ton of leafs so you just send them $20.
That's the insurance companies' stance. The work you performed is this and so our agreed upon rate is this.
That's the insurance companies' stance. The work you performed is this and so our agreed upon rate is this.