One question I frequently get is about health insurance; someone will come up to me and say, "Bruce, I was in a car wreck that wasn't my fault and I used my health insurance to pay my medical bills. Now, I'm settling my claim against the other person's insurance company. Do I have to pay back my health insurance company out of my settlement?" The answer is yes, but how much you pay back will depend upon whether or not your health insurance company is regulated by state law or by federal law.

Recently, the Texas legislature changed the laws to limit a health insurance company’s right of subrogation. Subrogation simply means their right to get their money back out of your settlement. How much you have to pay back your health insurance company will depend upon how much they paid in medical bills, how much was your settlement, and whether or not you had an attorney to assist in your settlement. If your health insurance is regulated by federal law - and that's usually large and private employers - then your rights will be different.

Unfortunately, in any personal injury matter, your rights, and the laws affecting your rights, can be complex. If you or someone you know or love has been seriously injured on the job, in a car wreck, or truck accident or any other type of injury, call the personal injury lawyers of Roberts & Roberts. We can answer your questions, and we can help. The call will cost you nothing; it can mean everything.

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