Just because you have a good health insurance policy doesn’t mean your finances are safe if you’re in an accident. Here, I discuss how a clause in your policy could leave you less protected than you thought.
Why You Recieved a Subrogation Letter
If you or a member of your family has been injured in a car wreck (or other accident) in the Fort Worth area, and you’re lucky enough to have health insurance, you might receive a subrogation letter. This letter will come from either your own health insurance company or a company acting on its behalf. (For example, Blue Cross Blue Shield sends its own letters, but Aetna uses a company called Rawlings and United Healthcare uses a company called Optum/Ingenix). These letters ask all about the wreck and who is responsible for the injuries and damages.
In Texas, health insurance companies usually include in their insurance contracts a term allowing them to “subrogate” any financial recovery an injured party might receive in an injury claim. These letters are called subrogation letters.
What Should You Do If You Receive a Letter From Your Health Insurance Company Asking About Your Car Accident?
If you have health insurance and receive a subrogation letter, it’s in your best interest to contact a Fort Worth claims attorney. Your lawyer will then contact the subrogating company on your behalf.
Here at Anderson Injury Lawyers, we take subrogation claims very seriously. We thoroughly investigate each case to make one hundred percent sure that the subrogation claim is legitimate. If it is, we work to resolve the claim in the client’s best interest.
If you’ve been in a collision and haven’t yet hired a Fort Worth car accident lawyer to represent you, be extremely careful when handling a subrogation letter. You need to take action; don’t simply ignore the notice. At the same time, tread carefully when communicating with the company who sent it, even if it’s your insurance provider.
Providing too much information can hurt you, especially if you’re considering suing the at-fault driver (or are later forced to do so as part of the subrogation process). The health insurance companies tend to ask for more information than they really need, and putting the health insurance company in touch with the liability carrier isn’t a good idea.
The best way to fulfill your legal obligation while still preserving your full range of legal rights is to contact a board-certified Fort Worth personal injury lawyer as soon as you receive a subrogation letter. Contact us today to schedule a free, no obligation consultation on your case.