Do I Have to Pay My Insurance Company Back?

Insurance companyIn this insurance subrogation video, We discuss below whether or not you need to pay back your insurance company for medical bills that they cover when you are in a car accident.

Q: My insurance company says I have to pay them back for what they paid on my medical bills. Why?

A: In Ohio there is something called subrogation and in many health insurance contracts there’s a clause that says if the insurance company pays medical bills and you get money from a third party (i.e. the driver in the auto accident that hit you) then you have to pay your health insurance back. This is one of the things that you definitely want to talk to an experienced auto accident attorney about because sometimes there are ways to get around the insurance contract and not pay your insurance company back. But even in situations where you do have to reimburse your health insurance company, a lot of the time you can negotiate and try to get a better deal and pay less than what the insurance company wants. The situation is more complicated when you’re dealing with Medicaid, Medicare, or the Bureau of Workers’ Compensation. Government entities have different rules and you need to speak to an attorney who can help make sure that you follow all of those rules and that you get the best deal and most compensation possible from your auto accident case.


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