Auto Accidents

Subrogation

It is also important to understand that certain contractual obligation, known as subrogation by contract claims, contained in many group health policies, medical pay policies and others can exist. Thus if some of the medical bills from your accident were paid out of your group health insurance policy, you may be responsible to repay some or all of the costs incurred for reasonable and necessary treatment. If a subrogation interest applies, reimbursement will be requested from your settlement or jury award. We will advise you if the right of subrogation by contract applies or if it is invalid to your case. You will need to provide us a copy of your health insurance policy. It is necessary for us to see the actual policy to determine your exact legal rights. If you were never given a copy of the policy, please request a copy from your employer or your health insurance agent. Your employer is required to provide a copy upon request. Note that requesting a copy from your health insurance provider or agent can be a slow process resulting in delays.

It is almost always advisable, even if you have subrogation provisions, to attempt to get your health insurance carrier to pay the cost of your medical treatment resulting from your accident. The reason for this is that we are usually able to convince health insurance providers to accept fewer subrogation dollars out of a final settlement of your case. Thus allowing you to keep a greater amount of net funds that you will receive from your settlement.

IF YOU HAVE BEEN INJURED AND NEED OUR LAW FIRM ON YOUR SIDE - CALL US DAY OR NIGHT.  THE INITIAL CONSULTATION IS FREE AND THE CALL IS FREE. CALL TOLL FREE 1.800.862.1260
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