If you or a loved one has received medical treatment for injuries that were the result of a traffic accident (or other incident) caused by someone else’s negligence, you might be surprised to get a letter from the Rawlings Company demanding payment. More than likely, you’ve never heard of the Rawlings Company. However, you should take their letters very seriously.
The Rawlings Company is a company used by Aetna Health Insurance to handle matters of subrogation. It’s probable that you will get a subrogation notice from the Rawlings Company on behalf of Aetna any time you’ve seen a doctor, been hospitalized, or undergone surgery following a car wreck or other accident that wasn’t your fault.
What is Subrogation?
When someone else caused your injuries, insurance companies can request reimbursements for their costs related to your health care. This is due to a subrogation clause found in many medical insurance policies. Essentially, it means because someone else was responsible for your injuries, it’s the at-fault person whose insurance should pay for your medical care – and not your health insurance company. The subrogation clause allows Aetna (and, by extension, the Rawlings Company) to levy a lien against you to recover their expenses.
Essentially, if you make a successful claim for compensation against the at-fault party (something you will likely do since you will have suffered greater damages than just medical expenses), then your healthcare provider is able to seek reimbursement for their own cost from your final settlement.
Having a good lawyer on your side is essential in order to handle the subrogation aspect of your claim alongside everything else – and to make sure that your legal rights are protected, allowing you to keep as much money as possible from your settlement.
Don’t Make This Mistake
If you or a member of your family has received a letter from the Rawlings Company regarding subrogation, be careful. Despite the fact that they are your insurance provider, it is still possible for you to divulge too much information, which could end up hurting your legal claim or costing you additional money out of your own pocket.