If you have a health insurance plan, you may assume it will pay all of your medical bills. You may also think that that you can also make the at-fault driver’s liability insurance company pay you for your damages, including those same medical bills.
But frequently your Blue Cross or Aetna plan wants to be reimbursed from the money you recover in a personal injury settlement or trial. You may already have received its notice asking you for more information about your accident or even an official lien.
The concept is called subrogation and it can throw a wrench into an accident recovery — especially if you don’t have a good personal injury lawyer fighting for you.