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.
