Nobody wants to think about getting into an accident, but if you do and you go to the emergency room, and you have health insurance, then you may be wondering about your eventual medical bill. After all, you may be glad that you have your own insurance, but you may be wondering if you can recover the damages that your insurance paid for.
In insurance, subrogation is the process in which your insurance company collects money from the at-fault party or their insurance company to recover the money that you or your insurance company has already paid toward your personal injury, including your deductible. With subrogation, your health insurance company can file a claim with the at-fault driver’s insurance company to recover the amount that they paid out for your emergency room visit and reimburse you if you made a deductible payment.
After an accident is very likely that your health insurance company will send you a letter asking you questions about the accident such as:
Subrogation exists to help cover your medical expenses while the issues of liability and damages are being sorted out on your personal injury case. Because after all, if you are hurt or need surgery, for example, then that’s not a situation where you can wait until the courts figure things out. So your health insurance plan contains a subrogation clause, meaning that the health insurance company is there to protect you when you need care. But they also assert that the at-fault party is liable for your medical expenses and that they – the insurance company – have a right to reimbursement for expenses paid out for your medical treatment in connection with the accident.
Of course, no one is going to think that it’s crazy for the insurance company to want their portion of what they paid out to be reimbursed by the at-fault driver’s car insurance. They will gladly pay for injuries you incur, but when someone else caused them, then they want that party to be the ones to pay for it. That’s not the problem, though.
The problem arises when the health insurance company disputes how much a victim should payback. A personal injury lawyer, like King, can help you get the compensation you deserve and fight for you so that you are not stuck between your health insurance company and the at-fault party’s car insurer.
There are some things you can do to help your attorney fight for you and build your case. In order to maximize your chances of getting the results you want in court, you will want to do the following immediately:
Request an itemized list of medical benefits your claims in ministry at her says are related to the accident, and then review them.
Spider veins are a common cosmetic concern for many people, causing small, visible veins to appear just beneath the surface… Read More
Digital Signage for Hospitals: Streamlining Communication in Hospitals SEO description: The use of digital signage for hospitals transforms the way… Read More
Oxygen is the most critical element for human survival, and in scenarios where oxygen levels are compromised, having access to… Read More
In the world of competitive sports and bodybuilding, serious athletes are always on the lookout for reliable, high-quality supplements to… Read More
Car accidents can change lives, causing long-term injuries that affect physical health, finances, and emotional well-being. Recognizing these effects is… Read More
Traumatic brain injury (TBI) is a serious condition that can result from various forms of negligence, such as car accidents,… Read More
It sucks to be on a tight budget. You have to pick and choose what you buy at the grocery… Read More
We’ve all laid in bed tossing and turning, not being able to sleep. But what if this is happening to… Read More
Addiction can profoundly impact every aspect of an individual’s life, from their physical health to their relationships, career, and spiritual… Read More
The mental health landscape for teenagers is increasingly concerning. Adolescence is a period fraught with changes—physically, emotionally, and socially—that can… Read More