HEALTH INSURANCE FORM AFTER ACCIDENT INJURY
After being injured in an accident, you may get a form from your health insurance company asking about the accident. They want to know whether the person who caused the accident has liability insurance. Our personal injury lawyers are often asked about this form.
When you are injured in an accident because of another person’s negligence in Minnesota, that person (or actually their liability insurance) is legally responsible to pay your medical bills, plus other compensation. However, if you have medical insurance, your health insurance company will usually pay the medical bills first. In that situation, where another person should be paying your medical bills, but your health insurance pays first, your health insurance is entitled to get its money back. That is called subrogation. It is actually written into your health insurance contract.
HEALTH INSURANCE REPAYMENT WHEN INJURED IN ACCIDENT
When your health insurance makes a payment, it is subrogated in a corresponding amount to your case or claim against any third party whose wrongful conduct caused the injury. However, the medical insurance company cannot directly sue the person who caused the injury. In Minnesota, the insurance company must work through the person it has insured (you) and your accident lawyer.
It is for this reason that after you are injured in an accident, your health insurer will send you a form to fill out regarding the accident. They want to find out if there is another party who injured you, and if you have hired an attorney to pursue injury compensation for the accident. If you have or may hire a lawyer to pursue compensation for the accident, your health insurance company wants to make sure they get paid back for the medical bills out of any injury settlement you receive.
Our accident injury lawyers deal with health insurance companies for MN accidents every day about this issue. There are a lot of paperwork and forms after an accident injury. We keep track of the correct amount that you will have to repay the health insurance company out of your settlement. Our lawyers also can usually negotiate a reduction in the subrogation amount, so the client gets to keep more of the settlement. This is particularly important if the party that injured you does not have enough insurance to fully and fairly compensation you. Call us for a free consultation to discuss this issue further.