Should you file on your medical insurance? The most important thing is that you get good healthcare. The last thing you want is for your healthcare providers to be worrying about whether or not they will be paid or to be considering your financial situation in deciding what healthcare treatment to recommend to you. Here at Roberts & Roberts we recommend that if you do have medical insurance that you file on it. The truth is that the party at fault, that's the other side, has to pay your medical bills regardless of whether or not you filed on medical insurance. More importantly, your medical insurance company is entitled to be repaid out of any settlement paid by the other side. That's called subrogation. So yes, we do recommend that if you have medical insurance, that you file on it. That way you get the best possible medical treatment right up front and the other side does wind up paying.