If you’ve ever dealt with a personal injury claim, you’re probably aware that you have to use a portion of your settlement to pay back your health insurance company. This repayment process is known as “subrogation” and can significantly impact your personal injury case.

Can health insurance come after settlement?

Bottom Line: Yes, your health insurance company will get reimbursed when you receive a settlement that includes medical expenses after an accident.

Can insurance companies take your settlement?

Your health insurance company often has a right to take part of your auto accident settlement, depending on what you agreed to in your health insurance policy. Often, your health insurance company is entitled to recover everything it paid for your medical care, which is called subrogation.

Can a health insurance company take my auto accident settlement?

Do you have to pay medical bills in a settlement?

So, rather than having your medical bills paid by the insurance company and getting the equivalent sum to keep from the settlement, you would have to pay the amount you received for your medical expenses in the settlement to your health insurance company. Understanding who’s entitled to what in a personal injury case can be a complex issue.

Why does my health insurance want reimbursement from settlement?

This means that the health insurance company wants to stand in your shoes as the injured person to receive compensation for your injuries. They are claiming that there is a right to reimbursement from settlement funds for which they have contributed. The good news for you is that Virginia is an anti-subrogation state.

How is medical care paid after a car accident?

This may be paid to your health insurance from the car accident settlement. Medical payments sustained by the injured driver or the driver at fault should be covered by the medical portion of the auto insurance policy. The auto insurance company must pay for the medical care of the people injured in an auto accident.