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What does insurance "subrogation" mean?

A: In the world of personal injury law, "subrogation" generally refers to the legal right of your health insurance company to seek reimbursement from you for the benefits it has paid out on your behalf for treatment of your injuries. This reimbursement comes out of any money that you may recover from the negligent driver by way of a settlement or court award. However, just because your insurer claims it has subrogation rights doesn't mean that it actually does. A number of complex factors are involved, including the anguage of your health insurance policy, and applicable state laws and regulations. In Virginia, for example, we have an "anti-subrogation" law that may apply in your favor. So if you are being pursued on a subrogation claim, give us a call. We may be able to help.