Perhaps you have heard that Minnesota is a “no-fault state,” but what does that mean? If you’ve been injured arising out of the maintenance or use of an insured motor vehicle, you are likely eligible for no-fault benefits. The no-fault carrier has first priority for payment of crash-related medical bills.
Your Own Health Insurer
After your no-fault carrier has either exhausted or discontinued paying medical expense benefits, your own health insurer may be in line to make payment.
Insurance Subrogation
If a private health insurer or a government entity makes payment of medical bills stemming from a motor vehicle crash, they may pursue subrogation to recover their losses. Subrogation is a legal process allowing an insurance provider to recoup expenses from another party’s insurer or the person who caused the accident.
Subrogation occurs when your health insurance company pays for your medical expenses related to a crash and then seeks to recover those costs from the at-fault party’s insurance company. For example, if you were injured in a car accident and your health insurance covered the medical bills, your insurance company may have a right to be reimbursed pursuant to their contract with you.
Final Thoughts
The bottom line is that if you or someone you know has been in a crash, it is essential to understand your rights and options regarding medical bills. At ASK, LLP, we are here to help you navigate the complexities of medical bills after an injury. We will work hard to ensure you get the best possible outcome for your case. If you have any questions or concerns, please do not hesitate to reach out and contact us. We are here to help.