My medical insurance refused to pay a claim submitted by a dr, as he tried to submit a duplicate claim for a single service on same day. My Explaination of Benefits from the Medical Insurance states that this claim is being denied as it is a duplicate claim that was submitted for a service that a claim was already put forward to..so basically the dr has comitted fraud, and now my pristine credit report is being ravaged by this collection agency....what are my options here . I told them I would file suit, and they said they would defend their case vigorously..I said fine..it will cost me more to file than the disputed debt amount which is $45 ?