What is health insurance subrogation?

Subrogation is your health insurer's right to be reimbursed for medical expenses they paid if you recover money from the at-fault party. Most health insurance policies contain subrogation clauses. When you settle your personal injury case, your health insurer can claim a portion of your settlement to recover what they paid for your accident-related treatment. However, subrogation amounts are often negotiable. At Kane Trial Law, we work to reduce subrogation claims, arguing that insurers should share in the reduction proportionally or accept less than the full amount. Successful subrogation negotiations put more money in your pocket.