I want to go over a question we get asked often. That question is: "Why do I have to pay back my own health insurance company for medical treatment, and bills that were paid, after I've been hit by somebody else in a car wreck or a truck wreck and it was their fault?”
The answer is there's a thing called subrogation or a lien interest that your health insurance company has.
What's A Subrogation Or Lien Interest?
A subrogation or lien interest is where you have to pay the health insurance back out of any settlement that's received, in your recovery. You have to do so because the bills that they paid were caused by somebody else's negligence. A situation where this applies would be if you are in a car wreck and a driver runs a red light and hits you causing serious injuries. You are going through your medical treatment process, you've been to the ER, you got transported by an ambulance, you went to physical therapy, you ended up having surgery.
All those bills would generally be paid through health insurance. You may have had some co-pays or out-of-pocket expenses, you don't have to reimburse them for those. Anything that the insurance company actually paid, and not just charged, not what they wrote off and adjusted, but what they actually paid, you will have to reimburse them in subrogation interest.
I know it's frustrating and I know a lot of people have questions about this. It's one of the things we deal with quite frequently.
If you are currently dealing with medical bills due to a car wreck, check out this article: The Car Wreck Was Not My Fault And I Have Medical Bills
Free Consumer Guides For People Dealing With A Car Wreck
We know how difficult it is to deal with the aftermath of a car wreck. This is why we created consumer guides for people in your situation. It's a tough time and there's a lot to figure out. Please check out the one that you feel works best for your situation - if not all.
- Why Get An Attorney? Handle It Yourself
- Secrets About Recorded Statements
- Need Your Car Fixed After A Car Wreck?
What Can The Button Law Firm Do To Help?
If you have any questions at all, you can look at our free resources on our car wreck legal library. Whether you need an attorney at this moment or not you can always give us a call at 214-888-2216 or fill out our Contact Us form. We have a lot of free information for people dealing with a car wreck. Our firm's goal is to inform families to the best of our abilities to make sure they make great decisions in their case.
The Button Law Firm's VIP Program:
If you haven't already, check out our VIP Program! It will come with great benefits!
If you are a member of our VIP Program, you actually have your own hotline number, and an email address to contact us if you were involved in a wreck. You will also be able to settle that claim on your own with our help. We'll take a look at your medical bills and let you know what they actually need to be reimbursed for and what they may not.
Sometimes they may try to get reimbursed for something that they shouldn't. We'll help you through that process and explain it to you. On all of our cases, if there was health insurance, you do have to reimburse them for what was caused by the negligence of somebody else in a car wreck or a truck wreck. It's one of the things that you have to do in Texas, and make sure you are aware of that for your own personal injury claims. This information is for you to make great decisions with your family. We are here to help, and we look forward to hearing from you.