What is Subrogation and Why You Shouldn’t Ignore Subrogation Letters


Regardless of good your, health insurance policy is, it doesn’t always mean that you are financially safe if you are injured in an accident. One of the first things your insurance agent tells you is to carefully read the policy before signing, and one of the reasons this is so important is because of the clauses, one of which may be subrogation. Here is a brief explanation of what subrogation is and why you shouldn’t ignore subrogation.

What is Subrogation?

If you have been injured in an automobile accident or any other accident, and you have health insurance, you may receive a subrogation letter. The letter will either come from your health insurance company or a company that is acting on your insurance company’s behalf. This letter will be packed with questions about the accident, including who was responsible for the accident, the damages, and your injuries. The purpose of subrogation is for your health insurance company to be reimbursed for the payments they made for your treatments. The subrogation letter asks a range of questions that will help the insurance company determine if there is an at-fault party that should be paying for your treatment.

Should you Ignore Subrogation?

If you have health insurance, your insurance has paid for your treatment and medical care for injuries you sustained in an accident that was no fault of your own, you will most likely receive a subrogation letter. It’s important that you not ignore subrogation letters, but it is in your best interest to contact a personal injury attorney. Your attorney will contact the company issuing the subrogating letter on your behalf. Subrogation claims should be taken seriously and your attorney will investigate your case to ensure that the subrogation claim is legitimate and if it is, your attorney will work to resolve the claim on your behalf.

Read the Letter Carefully

If you have been in an automobile collision, were injured, and received or are still receiving treatment and therapy, it’s common to automatically use your health insurance to pay for your medical services. However, even if you have paid the policy payments and all of your co-pays, and the insurance company has begun making payments to your medical providers; this doesn’t mean that it’s over, that your medical bills are paid in full. If you receive a subrogation letter, it’s essential that you carefully read the entire letter and that you take action immediately. Ignoring subrogation may fall back on you in the long run, in that you may be responsible for repaying your health insurance company for the monies they have already paid.

Do not ignore subrogation letters, even if they are from your health insurance company. After receiving the letter, it’s important that you use caution when speaking with the insurance providers, even if it is your personal insurance company. Providing too much information as well as too little information can hurt you, especially if you are considering filing a claim for compensation from the party that was at fault for your accident. In most situations, the health insurance company will ask for more information than they actually need and you should never take it upon yourself to put your health insurance company in touch with the provider of the at-fault party. Securing the assistance of a personal injury attorney is the best way to ensure the subrogation letter is correct and that you will not be responsible for any payments made on your behalf.


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