Been injured in Texas and used your health insurance for treatment? Subrogation might come into play with your personal injury claim. Here’s what you need to know:
- Subrogation: Health Insurance Seeks Repayment: After paying for your medical bills, your health insurance company has the right to seek reimbursement from the at-fault party’s insurance company.
- Why Subrogation? Health insurers want to recoup the money they spent on your care. They essentially step into your shoes to pursue compensation from the responsible party.
- Texas Law and Subrogation: Texas law allows health insurance companies to pursue subrogation. However, there are limitations:
- You Can’t Be Left Owing: Even if the at-fault party’s insurance doesn’t fully cover your medical bills, you can’t be held personally responsible for the remaining balance.
- Your Settlement Can’t Be Reduced: The amount you receive in your personal injury settlement cannot be reduced to account for what the health insurance company recovers through subrogation.
Texas Personal Injury Attorney: Protecting Your Rights
An experienced Texas personal injury attorney can:
- Explain subrogation and its impact on your case.
- Negotiate with your health insurance company to ensure a fair subrogation settlement.
- Protect you from being held responsible for any remaining medical bills.
- Ensure your overall settlement reflects the full value of your claim.
Don’t Let Subrogation Complications Reduce Your Compensation:
While subrogation is a legal right for health insurance companies, it shouldn’t diminish the compensation you deserve for your injuries. Contact a Texas personal injury attorney Ryan Orsatti today.
