When someone is involved in an accident that is not their fault, they have the right to pursue a personal injury claim. After all, they did not cause the accident, so why should they be held responsible for their own medical bills? As a personal injury claim unfolds, there might be an issue that unfolds known as subrogation. This is a critical part of navigating a personal injury claim, so it is important for everyone to be familiar with what subrogation is and how this might impact their own case.
What Is Subrogation?
In general, subrogation refers to a legal term that might arise in the event of just about any personal injury claim. If there is an insurance company that pays someone’s medical expenses on behalf of an insured person, this insurance company may claim that they have a right to be reimbursed if someone else is found responsible. It is critical for everyone to read their insurance contracts to make sure they understand what the exact nature of the subrogation agreement is.
How Does Subrogation Impact Me?
If you decide to file a personal injury claim, then you want to maximize the value of any award that you might receive. Therefore, you need to make sure that you file all of your medical bills with either your health insurance company or your auto insurance company. Then, in the event that you are awarded a settlement, all of the monetary settlement is passed on to you. Let the insurance company pursue subrogation but the responsible party later. Furthermore, when you file your medical bills with your health insurance company, they are taken care of as quickly as possible, protecting your credit.
Do I Need a Legal Professional To Help with Subrogation?
Subrogation is only one of the many aspects related to a personal injury case. Therefore, it is important for you to rely on the experience of a trained legal professional who can guide you during this process. Remember that it is normal to feel stressed and worried following a serious accident. On the other hand, you do not have to go through this process alone. There is always a trained attorney to help.