My Health Insurance Wants Money From My Settlement; What Is Subrogation?

Many times we get contacted by people that have dealt with insurance claims themselves instead of hiring a lawyer and they are shocked to find out that they are not getting the amount of money that they settled with the liability insurance company for.

People are often surprised to learn that when their health insurance paid medical bills related to an accident that they are going to recover from a car insurance company for, that their health insurance claims a subrogation interest. What is subrogation, is a common question.

Subrogation is the right of one who has paid an obligation, which another should have paid, to be indemnified by the other. Simply stated, it is the right of a health insurance provider to be paid back any bills paid on your behalf out of any settlement that is received from a liability insurance carrier for the accident that the bills were paid for. Most health insurance providers have the right of subrogation clearly stated in their contract that you sign, and failure to pay them back could put you in jeopardy of losing your health insurance coverage.

So, what can we do about subrogation? At Linton & Associates we are Alabama personal injury / insurance attorneys that will fight for your interest after you have been injured by another and are dealing with insurance companies. Many times. we can negotiate and significantly reduce the amount that a health insurance provider is willing to accept in subrogation payments. When an individual tries to handle a claim for themselves, many times this is a crucial part of their claim that they are unable to handle and it costs them a significant portion of the settlement that they reach with the insurance provider.

If you or a loved one have been injured as a result of another, contact the Alabama personal injury lawyers at Linton & Associates for a free consultation. We are personal injury attorneys based in Birmingham, Alabama, and we work for the people; not the insurance companies.

My name is Christopher S. Linton, Attorney at Linton and Associates Law Firm in Birmingham, Alabama. We specialize in Personal Injury, Wrongful Death, Premises and Product Liability, Auto Accidents and Infant Injury and Death.

Keywords:  Subrogation, Insurance Law, Settlements and Subrogation, Alabama Personal Injury Attorney