If you get hurt because of someone else, you might wonder if you can use your health insurance and then keep the money for yourself. The answer is usually no, and here is why.
How Health Insurance Benefits Work
Your health insurance benefits pays for your medical bills, like doctor visits, hospital stays, surgeries, and therapy. The insurance company pays your providers directly so you do not have to pay everything yourself.
What Happens After a Settlement
If you later get money from a personal injury settlement, your insurance company can ask for that money back. This is called subrogation. This means the insurance company paid your medical bills, so you must repay them from your settlement.
You cannot keep the money used for your treatment. You can, however, keep money meant for things like pain and suffering, lost wages, or other damages.
How to Protect Yourself
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Tell your insurer about your claim and ask how subrogation works for your plan.
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Let a lawyer handle your settlement to make sure it is correct.
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Keep records of all medical bills and insurance payments.
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Do not spend your settlement money until you know how much will go to your insurer.
Why Hire Fielding Law
Personal injury claims can be confusing, especially when health insurance is involved. Fielding Law helps clients in California and Arizona understand their rights, handle insurance repayment, and get the most fair settlement possible.
If you have questions about your injury claim or how health insurance affects your settlement, call 833.88.SHARK today. We guide you through the process with care and support.
Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.
