If you’ve been involved in an accident and you want to file a claim, chances are that you will be competing to get a proper personal injury settlement. Maybe one of the most significant surprises you’re going to come across is the insurance company will be paying your health insurance claim. This is something rather important and you need to take it into account. There are a few things that you have to file and a few letters to draft, so make sure to be very careful.
How does the overall subrogation process work?
When discussing carriers of health insurance, the term subrogation is likely to come off quite a few times. Technically, reimbursement and subrogation claims are quite different. For the purpose of getting your settlement claim result, the outcomes are actually quite identical, though. You will need to ensure that the lawyer understands your requirements and accurately decides upon the amount of compensation you are eligible for.
Subrogation Notice Letters
If you’ve been involved in an accident of any kind, you will get a letter from the company handling your health insurance. They will ask for details about the incident. They will ask whether it’s work-related, if there was a third-party involved and others of the kind. Furthermore, the letter is also going to ask you if you’ve hired a lawyer and if you have – they will request the lawyer’s contact information. Finally, it’s also likely to remind you that the insurance carrier is entitled to full reimbursement of the injury recovery that you obtain, regardless of whether it’s a jury verdict or a settlement that got it.
The purpose of subrogation
Now, health insurance is dedicated to protect you if you are going to fall ill or victim to an accident. If a third party actually injures you, the health insurance will be covering your medical expense at start because the issues of damages and liability won’t be resolved yet. This is something important that you need to account for when it comes to it.
There are quite a few things that you have to do if you want to ensure that all is handled as per the highest standards. Right off the bat, you need to get a copy of your policy and you need to check the insurance laws of the province. Furthermore, it’s advisable that you find out a lot more on the self-insure medical claims of your employer. In any case, the things that you need to be aware of are complex and thorough. This is the main reason for which you want to involve a personal injury lawyer in order to make sure that all is handled as per the highest standards. This is going to ensure that everything is taken care of properly and that you receive all the money that you are legally entitled to.
